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$5,198
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,359
−HK$165/mo
Today · 4.125%
HK$5,524
baseline
▲ 0.50% · 4.625%
HK$5,860
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,048/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$5,782
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,937
−HK$158/mo
Today · 4.125%
HK$6,095
baseline
▲ 0.50% · 4.625%
HK$6,416
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,190/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$6,237
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,431
−HK$197/mo
Today · 4.125%
HK$6,628
baseline
▲ 0.50% · 4.625%
HK$7,032
+HK$404/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$13,256/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$6,939
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,125
−HK$189/mo
Today · 4.125%
HK$7,314
baseline
▲ 0.50% · 4.625%
HK$7,699
+HK$385/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$14,628/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$7,277
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,503
−HK$230/mo
Today · 4.125%
HK$7,733
baseline
▲ 0.50% · 4.625%
HK$8,204
+HK$471/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$15,466/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$8,095
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,312
−HK$221/mo
Today · 4.125%
HK$8,533
baseline
▲ 0.50% · 4.625%
HK$8,982
+HK$449/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$17,066/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$9,356
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,647
−HK$296/mo
Today · 4.125%
HK$9,943
baseline
▲ 0.50% · 4.625%
HK$10,547
+HK$604/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,886/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$10,408
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,687
−HK$284/mo
Today · 4.125%
HK$10,971
baseline
▲ 0.50% · 4.625%
HK$11,549
+HK$578/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,942/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).