The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$5,164
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,325
−HK$163/mo
Today · 4.125%
HK$5,488
baseline
▲ 0.50% · 4.625%
HK$5,822
+HK$334/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,976/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,745
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,899
−HK$156/mo
Today · 4.125%
HK$6,055
baseline
▲ 0.50% · 4.625%
HK$6,375
+HK$320/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,110/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,197
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,390
−HK$196/mo
Today · 4.125%
HK$6,586
baseline
▲ 0.50% · 4.625%
HK$6,986
+HK$400/mo
Deposit HK$906K · loan HK$1.36M · min. income ≈ HK$13,172/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,894
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,079
−HK$188/mo
Today · 4.125%
HK$7,267
baseline
▲ 0.50% · 4.625%
HK$7,650
+HK$383/mo
Deposit HK$906K · loan HK$1.36M · min. income ≈ HK$14,534/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,230
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,455
−HK$228/mo
Today · 4.125%
HK$7,683
baseline
▲ 0.50% · 4.625%
HK$8,151
+HK$468/mo
Deposit HK$679K · loan HK$1.59M · min. income ≈ HK$15,366/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,043
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,259
−HK$219/mo
Today · 4.125%
HK$8,478
baseline
▲ 0.50% · 4.625%
HK$8,924
+HK$446/mo
Deposit HK$679K · loan HK$1.59M · min. income ≈ HK$16,956/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,295
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,585
−HK$293/mo
Today · 4.125%
HK$9,878
baseline
▲ 0.50% · 4.625%
HK$10,479
+HK$601/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$19,756/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,341
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,618
−HK$282/mo
Today · 4.125%
HK$10,900
baseline
▲ 0.50% · 4.625%
HK$11,474
+HK$574/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$21,800/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).