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$5,212
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,374
−HK$165/mo
Today · 4.125%
HK$5,539
baseline
▲ 0.50% · 4.625%
HK$5,876
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,078/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$5,798
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,954
−HK$158/mo
Today · 4.125%
HK$6,112
baseline
▲ 0.50% · 4.625%
HK$6,434
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,224/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$6,254
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,449
−HK$198/mo
Today · 4.125%
HK$6,647
baseline
▲ 0.50% · 4.625%
HK$7,051
+HK$404/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$13,294/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,958
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,145
−HK$189/mo
Today · 4.125%
HK$7,334
baseline
▲ 0.50% · 4.625%
HK$7,721
+HK$387/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$14,668/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,297
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,524
−HK$230/mo
Today · 4.125%
HK$7,754
baseline
▲ 0.50% · 4.625%
HK$8,226
+HK$472/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$15,508/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,118
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,335
−HK$221/mo
Today · 4.125%
HK$8,556
baseline
▲ 0.50% · 4.625%
HK$9,007
+HK$451/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$17,112/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,382
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,674
−HK$296/mo
Today · 4.125%
HK$9,970
baseline
▲ 0.50% · 4.625%
HK$10,577
+HK$607/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,940/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,437
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,717
−HK$284/mo
Today · 4.125%
HK$11,001
baseline
▲ 0.50% · 4.625%
HK$11,581
+HK$580/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,002/mo (50% DSR)
Upfront cash ≈ HK$229K (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).