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$5,276
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,440
−HK$167/mo
Today · 4.125%
HK$5,607
baseline
▲ 0.50% · 4.625%
HK$5,948
+HK$341/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,214/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,869
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,027
−HK$159/mo
Today · 4.125%
HK$6,186
baseline
▲ 0.50% · 4.625%
HK$6,513
+HK$327/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,372/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,331
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,528
−HK$200/mo
Today · 4.125%
HK$6,728
baseline
▲ 0.50% · 4.625%
HK$7,137
+HK$409/mo
Deposit HK$925K · loan HK$1.39M · min. income ≈ HK$13,456/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,043
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,232
−HK$192/mo
Today · 4.125%
HK$7,424
baseline
▲ 0.50% · 4.625%
HK$7,815
+HK$391/mo
Deposit HK$925K · loan HK$1.39M · min. income ≈ HK$14,848/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,386
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,616
−HK$233/mo
Today · 4.125%
HK$7,849
baseline
▲ 0.50% · 4.625%
HK$8,327
+HK$478/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$15,698/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,217
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,438
−HK$223/mo
Today · 4.125%
HK$8,661
baseline
▲ 0.50% · 4.625%
HK$9,118
+HK$457/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$17,322/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,497
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,792
−HK$300/mo
Today · 4.125%
HK$10,092
baseline
▲ 0.50% · 4.625%
HK$10,706
+HK$614/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,184/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$10,565
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,848
−HK$288/mo
Today · 4.125%
HK$11,136
baseline
▲ 0.50% · 4.625%
HK$11,723
+HK$587/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,272/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).