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$5,201
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,363
−HK$164/mo
Today · 4.125%
HK$5,527
baseline
▲ 0.50% · 4.625%
HK$5,863
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,054/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$5,786
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,941
−HK$158/mo
Today · 4.125%
HK$6,099
baseline
▲ 0.50% · 4.625%
HK$6,420
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,198/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$6,241
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,435
−HK$198/mo
Today · 4.125%
HK$6,633
baseline
▲ 0.50% · 4.625%
HK$7,036
+HK$403/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$13,266/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,943
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,130
−HK$188/mo
Today · 4.125%
HK$7,318
baseline
▲ 0.50% · 4.625%
HK$7,704
+HK$386/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$14,636/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,281
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,508
−HK$230/mo
Today · 4.125%
HK$7,738
baseline
▲ 0.50% · 4.625%
HK$8,209
+HK$471/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$15,476/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,101
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,318
−HK$220/mo
Today · 4.125%
HK$8,538
baseline
▲ 0.50% · 4.625%
HK$8,988
+HK$450/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$17,076/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,362
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,653
−HK$296/mo
Today · 4.125%
HK$9,949
baseline
▲ 0.50% · 4.625%
HK$10,554
+HK$605/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,898/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,415
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,694
−HK$284/mo
Today · 4.125%
HK$10,978
baseline
▲ 0.50% · 4.625%
HK$11,556
+HK$578/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,956/mo (50% DSR)
Upfront cash ≈ HK$228K (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).