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$5,200
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,362
−HK$165/mo
Today · 4.125%
HK$5,527
baseline
▲ 0.50% · 4.625%
HK$5,863
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,054/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$5,785
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,941
−HK$157/mo
Today · 4.125%
HK$6,098
baseline
▲ 0.50% · 4.625%
HK$6,419
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,196/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$6,241
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,435
−HK$197/mo
Today · 4.125%
HK$6,632
baseline
▲ 0.50% · 4.625%
HK$7,035
+HK$403/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$13,264/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,943
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,129
−HK$189/mo
Today · 4.125%
HK$7,318
baseline
▲ 0.50% · 4.625%
HK$7,703
+HK$385/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$14,636/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,281
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,507
−HK$230/mo
Today · 4.125%
HK$7,737
baseline
▲ 0.50% · 4.625%
HK$8,208
+HK$471/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$15,474/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,100
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,317
−HK$220/mo
Today · 4.125%
HK$8,537
baseline
▲ 0.50% · 4.625%
HK$8,987
+HK$450/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$17,074/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,361
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,652
−HK$296/mo
Today · 4.125%
HK$9,948
baseline
▲ 0.50% · 4.625%
HK$10,553
+HK$605/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,896/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,414
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,693
−HK$283/mo
Today · 4.125%
HK$10,976
baseline
▲ 0.50% · 4.625%
HK$11,555
+HK$579/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,952/mo (50% DSR)
Upfront cash ≈ HK$228K (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).