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$5,265
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,428
−HK$167/mo
Today · 4.125%
HK$5,595
baseline
▲ 0.50% · 4.625%
HK$5,935
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,190/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$5,857
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,014
−HK$159/mo
Today · 4.125%
HK$6,173
baseline
▲ 0.50% · 4.625%
HK$6,499
+HK$326/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,346/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$6,318
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,514
−HK$200/mo
Today · 4.125%
HK$6,714
baseline
▲ 0.50% · 4.625%
HK$7,122
+HK$408/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$13,428/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,028
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,217
−HK$191/mo
Today · 4.125%
HK$7,408
baseline
▲ 0.50% · 4.625%
HK$7,799
+HK$391/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$14,816/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,371
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,600
−HK$233/mo
Today · 4.125%
HK$7,833
baseline
▲ 0.50% · 4.625%
HK$8,309
+HK$476/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$15,666/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,200
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,420
−HK$223/mo
Today · 4.125%
HK$8,643
baseline
▲ 0.50% · 4.625%
HK$9,098
+HK$455/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$17,286/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,476
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,771
−HK$300/mo
Today · 4.125%
HK$10,071
baseline
▲ 0.50% · 4.625%
HK$10,683
+HK$612/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,142/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,542
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,825
−HK$287/mo
Today · 4.125%
HK$11,112
baseline
▲ 0.50% · 4.625%
HK$11,698
+HK$586/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,224/mo (50% DSR)
Upfront cash ≈ HK$231K (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).