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$5,152
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,313
−HK$163/mo
Today · 4.125%
HK$5,476
baseline
▲ 0.50% · 4.625%
HK$5,809
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,952/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,732
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,886
−HK$156/mo
Today · 4.125%
HK$6,042
baseline
▲ 0.50% · 4.625%
HK$6,360
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,084/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,183
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,375
−HK$196/mo
Today · 4.125%
HK$6,571
baseline
▲ 0.50% · 4.625%
HK$6,971
+HK$400/mo
Deposit HK$904K · loan HK$1.36M · min. income ≈ HK$13,142/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,878
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,063
−HK$187/mo
Today · 4.125%
HK$7,250
baseline
▲ 0.50% · 4.625%
HK$7,632
+HK$382/mo
Deposit HK$904K · loan HK$1.36M · min. income ≈ HK$14,500/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,213
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,438
−HK$228/mo
Today · 4.125%
HK$7,666
baseline
▲ 0.50% · 4.625%
HK$8,132
+HK$466/mo
Deposit HK$678K · loan HK$1.58M · min. income ≈ HK$15,332/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,025
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,240
−HK$218/mo
Today · 4.125%
HK$8,458
baseline
▲ 0.50% · 4.625%
HK$8,904
+HK$446/mo
Deposit HK$678K · loan HK$1.58M · min. income ≈ HK$16,916/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,274
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,563
−HK$293/mo
Today · 4.125%
HK$9,856
baseline
▲ 0.50% · 4.625%
HK$10,456
+HK$600/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$19,712/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,318
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,594
−HK$281/mo
Today · 4.125%
HK$10,875
baseline
▲ 0.50% · 4.625%
HK$11,448
+HK$573/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$21,750/mo (50% DSR)
Upfront cash ≈ HK$226K (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).