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$5,298
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,463
−HK$167/mo
Today · 4.125%
HK$5,630
baseline
▲ 0.50% · 4.625%
HK$5,973
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,260/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,894
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,052
−HK$160/mo
Today · 4.125%
HK$6,212
baseline
▲ 0.50% · 4.625%
HK$6,540
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,424/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,358
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,555
−HK$201/mo
Today · 4.125%
HK$6,756
baseline
▲ 0.50% · 4.625%
HK$7,167
+HK$411/mo
Deposit HK$929K · loan HK$1.39M · min. income ≈ HK$13,512/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,073
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,262
−HK$193/mo
Today · 4.125%
HK$7,455
baseline
▲ 0.50% · 4.625%
HK$7,848
+HK$393/mo
Deposit HK$929K · loan HK$1.39M · min. income ≈ HK$14,910/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,417
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,648
−HK$234/mo
Today · 4.125%
HK$7,882
baseline
▲ 0.50% · 4.625%
HK$8,362
+HK$480/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$15,764/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,252
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,473
−HK$224/mo
Today · 4.125%
HK$8,697
baseline
▲ 0.50% · 4.625%
HK$9,156
+HK$459/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$17,394/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,536
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,833
−HK$301/mo
Today · 4.125%
HK$10,134
baseline
▲ 0.50% · 4.625%
HK$10,751
+HK$617/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,268/mo (50% DSR)
Upfront cash ≈ HK$232K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,609
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,894
−HK$288/mo
Today · 4.125%
HK$11,182
baseline
▲ 0.50% · 4.625%
HK$11,772
+HK$590/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,364/mo (50% DSR)
Upfront cash ≈ HK$232K (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).