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$5,230
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,392
−HK$166/mo
Today · 4.125%
HK$5,558
baseline
▲ 0.50% · 4.625%
HK$5,896
+HK$338/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,116/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$5,818
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,974
−HK$158/mo
Today · 4.125%
HK$6,132
baseline
▲ 0.50% · 4.625%
HK$6,456
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,264/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$6,276
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,471
−HK$198/mo
Today · 4.125%
HK$6,669
baseline
▲ 0.50% · 4.625%
HK$7,075
+HK$406/mo
Deposit HK$917K · loan HK$1.38M · min. income ≈ HK$13,338/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,982
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,169
−HK$190/mo
Today · 4.125%
HK$7,359
baseline
▲ 0.50% · 4.625%
HK$7,747
+HK$388/mo
Deposit HK$917K · loan HK$1.38M · min. income ≈ HK$14,718/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,322
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,549
−HK$232/mo
Today · 4.125%
HK$7,781
baseline
▲ 0.50% · 4.625%
HK$8,254
+HK$473/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$15,562/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,145
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,364
−HK$221/mo
Today · 4.125%
HK$8,585
baseline
▲ 0.50% · 4.625%
HK$9,038
+HK$453/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$17,170/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,413
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,706
−HK$298/mo
Today · 4.125%
HK$10,004
baseline
▲ 0.50% · 4.625%
HK$10,612
+HK$608/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$20,008/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$10,472
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,753
−HK$285/mo
Today · 4.125%
HK$11,038
baseline
▲ 0.50% · 4.625%
HK$11,620
+HK$582/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,076/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).