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$5,181
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,343
−HK$163/mo
Today · 4.125%
HK$5,506
baseline
▲ 0.50% · 4.625%
HK$5,841
+HK$335/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,012/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,764
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,919
−HK$157/mo
Today · 4.125%
HK$6,076
baseline
▲ 0.50% · 4.625%
HK$6,396
+HK$320/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,152/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,218
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,411
−HK$197/mo
Today · 4.125%
HK$6,608
baseline
▲ 0.50% · 4.625%
HK$7,010
+HK$402/mo
Deposit HK$909K · loan HK$1.36M · min. income ≈ HK$13,216/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,917
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,103
−HK$188/mo
Today · 4.125%
HK$7,291
baseline
▲ 0.50% · 4.625%
HK$7,675
+HK$384/mo
Deposit HK$909K · loan HK$1.36M · min. income ≈ HK$14,582/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,254
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,480
−HK$229/mo
Today · 4.125%
HK$7,709
baseline
▲ 0.50% · 4.625%
HK$8,178
+HK$469/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$15,418/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,070
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,287
−HK$219/mo
Today · 4.125%
HK$8,506
baseline
▲ 0.50% · 4.625%
HK$8,954
+HK$448/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$17,012/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,327
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,617
−HK$295/mo
Today · 4.125%
HK$9,912
baseline
▲ 0.50% · 4.625%
HK$10,515
+HK$603/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$19,824/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,376
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,654
−HK$282/mo
Today · 4.125%
HK$10,936
baseline
▲ 0.50% · 4.625%
HK$11,513
+HK$577/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$21,872/mo (50% DSR)
Upfront cash ≈ HK$227K (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).