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$330/mo
▼ 0.25% · 3.875%
HK$5,440
−HK$166/mo
Today · 4.125%
HK$5,606
baseline
▲ 0.50% · 4.625%
HK$5,948
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,212/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$6,026
−HK$160/mo
Today · 4.125%
HK$6,186
baseline
▲ 0.50% · 4.625%
HK$6,512
+HK$326/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$380/mo
▼ 0.25% · 3.875%
HK$7,232
−HK$191/mo
Today · 4.125%
HK$7,423
baseline
▲ 0.50% · 4.625%
HK$7,815
+HK$392/mo
Deposit HK$925K · loan HK$1.39M · min. income ≈ HK$14,846/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$8,437
−HK$224/mo
Today · 4.125%
HK$8,661
baseline
▲ 0.50% · 4.625%
HK$9,117
+HK$456/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$9,496
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,791
−HK$301/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$10,564
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,848
−HK$287/mo
Today · 4.125%
HK$11,135
baseline
▲ 0.50% · 4.625%
HK$11,722
+HK$587/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,270/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).