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$5,223
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,386
−HK$165/mo
Today · 4.125%
HK$5,551
baseline
▲ 0.50% · 4.625%
HK$5,888
+HK$337/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,102/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$5,811
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,967
−HK$158/mo
Today · 4.125%
HK$6,125
baseline
▲ 0.50% · 4.625%
HK$6,447
+HK$322/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,250/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$6,268
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,463
−HK$198/mo
Today · 4.125%
HK$6,661
baseline
▲ 0.50% · 4.625%
HK$7,066
+HK$405/mo
Deposit HK$916K · loan HK$1.37M · min. income ≈ HK$13,322/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,973
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,160
−HK$190/mo
Today · 4.125%
HK$7,350
baseline
▲ 0.50% · 4.625%
HK$7,737
+HK$387/mo
Deposit HK$916K · loan HK$1.37M · min. income ≈ HK$14,700/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,312
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,540
−HK$231/mo
Today · 4.125%
HK$7,771
baseline
▲ 0.50% · 4.625%
HK$8,244
+HK$473/mo
Deposit HK$687K · loan HK$1.60M · min. income ≈ HK$15,542/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,135
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,353
−HK$221/mo
Today · 4.125%
HK$8,574
baseline
▲ 0.50% · 4.625%
HK$9,026
+HK$452/mo
Deposit HK$687K · loan HK$1.60M · min. income ≈ HK$17,148/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,402
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,694
−HK$297/mo
Today · 4.125%
HK$9,991
baseline
▲ 0.50% · 4.625%
HK$10,599
+HK$608/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,982/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,459
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,740
−HK$284/mo
Today · 4.125%
HK$11,024
baseline
▲ 0.50% · 4.625%
HK$11,605
+HK$581/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,048/mo (50% DSR)
Upfront cash ≈ HK$229K (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).