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$5,277
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,441
−HK$166/mo
Today · 4.125%
HK$5,607
baseline
▲ 0.50% · 4.625%
HK$5,949
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,214/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,870
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,028
−HK$159/mo
Today · 4.125%
HK$6,187
baseline
▲ 0.50% · 4.625%
HK$6,513
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,374/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,332
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,529
−HK$200/mo
Today · 4.125%
HK$6,729
baseline
▲ 0.50% · 4.625%
HK$7,138
+HK$409/mo
Deposit HK$926K · loan HK$1.39M · min. income ≈ HK$13,458/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,044
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,233
−HK$192/mo
Today · 4.125%
HK$7,425
baseline
▲ 0.50% · 4.625%
HK$7,816
+HK$391/mo
Deposit HK$926K · loan HK$1.39M · min. income ≈ HK$14,850/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,387
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,617
−HK$233/mo
Today · 4.125%
HK$7,850
baseline
▲ 0.50% · 4.625%
HK$8,328
+HK$478/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$15,700/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,218
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,439
−HK$223/mo
Today · 4.125%
HK$8,662
baseline
▲ 0.50% · 4.625%
HK$9,119
+HK$457/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$17,324/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,498
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,793
−HK$300/mo
Today · 4.125%
HK$10,093
baseline
▲ 0.50% · 4.625%
HK$10,708
+HK$615/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,186/mo (50% DSR)
Upfront cash ≈ HK$232K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,566
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,850
−HK$287/mo
Today · 4.125%
HK$11,137
baseline
▲ 0.50% · 4.625%
HK$11,724
+HK$587/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,274/mo (50% DSR)
Upfront cash ≈ HK$232K (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).