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$5,255
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,418
−HK$166/mo
Today · 4.125%
HK$5,584
baseline
▲ 0.50% · 4.625%
HK$5,924
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,168/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$5,846
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,003
−HK$159/mo
Today · 4.125%
HK$6,162
baseline
▲ 0.50% · 4.625%
HK$6,487
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,324/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$6,306
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,502
−HK$199/mo
Today · 4.125%
HK$6,701
baseline
▲ 0.50% · 4.625%
HK$7,109
+HK$408/mo
Deposit HK$922K · loan HK$1.38M · min. income ≈ HK$13,402/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,015
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,203
−HK$191/mo
Today · 4.125%
HK$7,394
baseline
▲ 0.50% · 4.625%
HK$7,784
+HK$390/mo
Deposit HK$922K · loan HK$1.38M · min. income ≈ HK$14,788/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,357
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,586
−HK$232/mo
Today · 4.125%
HK$7,818
baseline
▲ 0.50% · 4.625%
HK$8,294
+HK$476/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$15,636/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$8,185
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,404
−HK$223/mo
Today · 4.125%
HK$8,627
baseline
▲ 0.50% · 4.625%
HK$9,081
+HK$454/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$17,254/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$9,459
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,753
−HK$299/mo
Today · 4.125%
HK$10,052
baseline
▲ 0.50% · 4.625%
HK$10,664
+HK$612/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,104/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,523
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,805
−HK$286/mo
Today · 4.125%
HK$11,091
baseline
▲ 0.50% · 4.625%
HK$11,676
+HK$585/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,182/mo (50% DSR)
Upfront cash ≈ HK$231K (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).