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$5,209
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,371
−HK$165/mo
Today · 4.125%
HK$5,536
baseline
▲ 0.50% · 4.625%
HK$5,873
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,072/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$5,795
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,951
−HK$157/mo
Today · 4.125%
HK$6,108
baseline
▲ 0.50% · 4.625%
HK$6,430
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,216/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$6,251
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,446
−HK$197/mo
Today · 4.125%
HK$6,643
baseline
▲ 0.50% · 4.625%
HK$7,047
+HK$404/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$13,286/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,954
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,141
−HK$189/mo
Today · 4.125%
HK$7,330
baseline
▲ 0.50% · 4.625%
HK$7,716
+HK$386/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$14,660/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,293
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,520
−HK$230/mo
Today · 4.125%
HK$7,750
baseline
▲ 0.50% · 4.625%
HK$8,222
+HK$472/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$15,500/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,113
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,331
−HK$221/mo
Today · 4.125%
HK$8,552
baseline
▲ 0.50% · 4.625%
HK$9,002
+HK$450/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$17,104/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,377
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,668
−HK$297/mo
Today · 4.125%
HK$9,965
baseline
▲ 0.50% · 4.625%
HK$10,571
+HK$606/mo
Deposit HK$228K · loan HK$2.06M · min. income ≈ HK$19,930/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$10,431
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,711
−HK$284/mo
Today · 4.125%
HK$10,995
baseline
▲ 0.50% · 4.625%
HK$11,575
+HK$580/mo
Deposit HK$228K · loan HK$2.06M · min. income ≈ HK$21,990/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).