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$5,183
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,344
−HK$164/mo
Today · 4.125%
HK$5,508
baseline
▲ 0.50% · 4.625%
HK$5,843
+HK$335/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,016/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,766
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,920
−HK$157/mo
Today · 4.125%
HK$6,077
baseline
▲ 0.50% · 4.625%
HK$6,397
+HK$320/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,154/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,219
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,413
−HK$196/mo
Today · 4.125%
HK$6,609
baseline
▲ 0.50% · 4.625%
HK$7,011
+HK$402/mo
Deposit HK$909K · loan HK$1.36M · min. income ≈ HK$13,218/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,919
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,104
−HK$189/mo
Today · 4.125%
HK$7,293
baseline
▲ 0.50% · 4.625%
HK$7,677
+HK$384/mo
Deposit HK$909K · loan HK$1.36M · min. income ≈ HK$14,586/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,256
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,481
−HK$230/mo
Today · 4.125%
HK$7,711
baseline
▲ 0.50% · 4.625%
HK$8,180
+HK$469/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$15,422/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,072
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,288
−HK$220/mo
Today · 4.125%
HK$8,508
baseline
▲ 0.50% · 4.625%
HK$8,956
+HK$448/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$17,016/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,329
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,619
−HK$295/mo
Today · 4.125%
HK$9,914
baseline
▲ 0.50% · 4.625%
HK$10,517
+HK$603/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$19,828/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$10,378
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,657
−HK$282/mo
Today · 4.125%
HK$10,939
baseline
▲ 0.50% · 4.625%
HK$11,515
+HK$576/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$21,878/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).