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$5,251
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,414
−HK$166/mo
Today · 4.125%
HK$5,580
baseline
▲ 0.50% · 4.625%
HK$5,920
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,160/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$5,841
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,998
−HK$159/mo
Today · 4.125%
HK$6,157
baseline
▲ 0.50% · 4.625%
HK$6,482
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,314/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$6,301
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,497
−HK$199/mo
Today · 4.125%
HK$6,696
baseline
▲ 0.50% · 4.625%
HK$7,103
+HK$407/mo
Deposit HK$921K · loan HK$1.38M · min. income ≈ HK$13,392/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,010
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,198
−HK$190/mo
Today · 4.125%
HK$7,388
baseline
▲ 0.50% · 4.625%
HK$7,778
+HK$390/mo
Deposit HK$921K · loan HK$1.38M · min. income ≈ HK$14,776/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,351
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,580
−HK$232/mo
Today · 4.125%
HK$7,812
baseline
▲ 0.50% · 4.625%
HK$8,287
+HK$475/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$15,624/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,178
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,397
−HK$223/mo
Today · 4.125%
HK$8,620
baseline
▲ 0.50% · 4.625%
HK$9,074
+HK$454/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$17,240/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,451
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,745
−HK$299/mo
Today · 4.125%
HK$10,044
baseline
▲ 0.50% · 4.625%
HK$10,655
+HK$611/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,088/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$10,515
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,797
−HK$286/mo
Today · 4.125%
HK$11,083
baseline
▲ 0.50% · 4.625%
HK$11,667
+HK$584/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,166/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).