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$5,288
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,452
−HK$167/mo
Today · 4.125%
HK$5,619
baseline
▲ 0.50% · 4.625%
HK$5,961
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,238/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$5,883
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,040
−HK$160/mo
Today · 4.125%
HK$6,200
baseline
▲ 0.50% · 4.625%
HK$6,527
+HK$327/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,400/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$6,345
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,543
−HK$200/mo
Today · 4.125%
HK$6,743
baseline
▲ 0.50% · 4.625%
HK$7,154
+HK$411/mo
Deposit HK$928K · loan HK$1.39M · min. income ≈ HK$13,486/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,059
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,248
−HK$192/mo
Today · 4.125%
HK$7,440
baseline
▲ 0.50% · 4.625%
HK$7,833
+HK$393/mo
Deposit HK$928K · loan HK$1.39M · min. income ≈ HK$14,880/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,403
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,633
−HK$234/mo
Today · 4.125%
HK$7,867
baseline
▲ 0.50% · 4.625%
HK$8,346
+HK$479/mo
Deposit HK$696K · loan HK$1.62M · min. income ≈ HK$15,734/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,236
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,457
−HK$224/mo
Today · 4.125%
HK$8,681
baseline
▲ 0.50% · 4.625%
HK$9,138
+HK$457/mo
Deposit HK$696K · loan HK$1.62M · min. income ≈ HK$17,362/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,518
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,814
−HK$301/mo
Today · 4.125%
HK$10,115
baseline
▲ 0.50% · 4.625%
HK$10,730
+HK$615/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,230/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$10,589
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,873
−HK$288/mo
Today · 4.125%
HK$11,161
baseline
▲ 0.50% · 4.625%
HK$11,749
+HK$588/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,322/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).