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$5,237
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,400
−HK$165/mo
Today · 4.125%
HK$5,565
baseline
▲ 0.50% · 4.625%
HK$5,904
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,130/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$5,826
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,982
−HK$159/mo
Today · 4.125%
HK$6,141
baseline
▲ 0.50% · 4.625%
HK$6,464
+HK$323/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,282/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$6,284
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,480
−HK$198/mo
Today · 4.125%
HK$6,678
baseline
▲ 0.50% · 4.625%
HK$7,085
+HK$407/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$13,356/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$6,991
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,179
−HK$190/mo
Today · 4.125%
HK$7,369
baseline
▲ 0.50% · 4.625%
HK$7,757
+HK$388/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$14,738/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$7,332
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,560
−HK$231/mo
Today · 4.125%
HK$7,791
baseline
▲ 0.50% · 4.625%
HK$8,265
+HK$474/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$15,582/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$8,156
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,375
−HK$222/mo
Today · 4.125%
HK$8,597
baseline
▲ 0.50% · 4.625%
HK$9,050
+HK$453/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$17,194/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$9,426
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,720
−HK$298/mo
Today · 4.125%
HK$10,018
baseline
▲ 0.50% · 4.625%
HK$10,627
+HK$609/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,036/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$10,487
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,768
−HK$285/mo
Today · 4.125%
HK$11,053
baseline
▲ 0.50% · 4.625%
HK$11,636
+HK$583/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,106/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).