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$5,208
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,370
−HK$165/mo
Today · 4.125%
HK$5,535
baseline
▲ 0.50% · 4.625%
HK$5,871
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,070/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$5,794
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,949
−HK$158/mo
Today · 4.125%
HK$6,107
baseline
▲ 0.50% · 4.625%
HK$6,429
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,214/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$6,250
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,444
−HK$198/mo
Today · 4.125%
HK$6,642
baseline
▲ 0.50% · 4.625%
HK$7,046
+HK$404/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$13,284/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$6,953
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,139
−HK$189/mo
Today · 4.125%
HK$7,328
baseline
▲ 0.50% · 4.625%
HK$7,715
+HK$387/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$14,656/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$7,291
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,518
−HK$230/mo
Today · 4.125%
HK$7,748
baseline
▲ 0.50% · 4.625%
HK$8,220
+HK$472/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$15,496/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,111
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,329
−HK$221/mo
Today · 4.125%
HK$8,550
baseline
▲ 0.50% · 4.625%
HK$9,000
+HK$450/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$17,100/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,374
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,666
−HK$296/mo
Today · 4.125%
HK$9,962
baseline
▲ 0.50% · 4.625%
HK$10,569
+HK$607/mo
Deposit HK$228K · loan HK$2.06M · min. income ≈ HK$19,924/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$10,429
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,709
−HK$283/mo
Today · 4.125%
HK$10,992
baseline
▲ 0.50% · 4.625%
HK$11,572
+HK$580/mo
Deposit HK$228K · loan HK$2.06M · min. income ≈ HK$21,984/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).