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$5,270
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,434
−HK$166/mo
Today · 4.125%
HK$5,600
baseline
▲ 0.50% · 4.625%
HK$5,941
+HK$341/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,200/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$5,863
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,020
−HK$159/mo
Today · 4.125%
HK$6,179
baseline
▲ 0.50% · 4.625%
HK$6,505
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,358/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$6,324
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,520
−HK$200/mo
Today · 4.125%
HK$6,720
baseline
▲ 0.50% · 4.625%
HK$7,129
+HK$409/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$13,440/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,035
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,224
−HK$191/mo
Today · 4.125%
HK$7,415
baseline
▲ 0.50% · 4.625%
HK$7,806
+HK$391/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$14,830/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,378
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,607
−HK$233/mo
Today · 4.125%
HK$7,840
baseline
▲ 0.50% · 4.625%
HK$8,317
+HK$477/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$15,680/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$8,208
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,428
−HK$223/mo
Today · 4.125%
HK$8,651
baseline
▲ 0.50% · 4.625%
HK$9,107
+HK$456/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$17,302/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$9,486
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,781
−HK$299/mo
Today · 4.125%
HK$10,080
baseline
▲ 0.50% · 4.625%
HK$10,694
+HK$614/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,160/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$10,553
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,836
−HK$287/mo
Today · 4.125%
HK$11,123
baseline
▲ 0.50% · 4.625%
HK$11,709
+HK$586/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,246/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).