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$5,238
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,401
−HK$165/mo
Today · 4.125%
HK$5,566
baseline
▲ 0.50% · 4.625%
HK$5,905
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,132/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,827
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,983
−HK$159/mo
Today · 4.125%
HK$6,142
baseline
▲ 0.50% · 4.625%
HK$6,466
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,284/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,285
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,481
−HK$199/mo
Today · 4.125%
HK$6,680
baseline
▲ 0.50% · 4.625%
HK$7,086
+HK$406/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$13,360/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,992
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,180
−HK$190/mo
Today · 4.125%
HK$7,370
baseline
▲ 0.50% · 4.625%
HK$7,759
+HK$389/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$14,740/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,333
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,561
−HK$232/mo
Today · 4.125%
HK$7,793
baseline
▲ 0.50% · 4.625%
HK$8,267
+HK$474/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$15,586/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,158
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,377
−HK$222/mo
Today · 4.125%
HK$8,599
baseline
▲ 0.50% · 4.625%
HK$9,052
+HK$453/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$17,198/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,428
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,721
−HK$298/mo
Today · 4.125%
HK$10,019
baseline
▲ 0.50% · 4.625%
HK$10,629
+HK$610/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,038/mo (50% DSR)
Upfront cash ≈ HK$230K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,489
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,770
−HK$285/mo
Today · 4.125%
HK$11,055
baseline
▲ 0.50% · 4.625%
HK$11,638
+HK$583/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,110/mo (50% DSR)
Upfront cash ≈ HK$230K (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).