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$5,254
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,418
−HK$166/mo
Today · 4.125%
HK$5,584
baseline
▲ 0.50% · 4.625%
HK$5,923
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,168/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$5,845
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,002
−HK$159/mo
Today · 4.125%
HK$6,161
baseline
▲ 0.50% · 4.625%
HK$6,486
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,322/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$6,305
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,501
−HK$199/mo
Today · 4.125%
HK$6,700
baseline
▲ 0.50% · 4.625%
HK$7,108
+HK$408/mo
Deposit HK$922K · loan HK$1.38M · min. income ≈ HK$13,400/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,014
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,202
−HK$191/mo
Today · 4.125%
HK$7,393
baseline
▲ 0.50% · 4.625%
HK$7,783
+HK$390/mo
Deposit HK$922K · loan HK$1.38M · min. income ≈ HK$14,786/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,356
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,585
−HK$232/mo
Today · 4.125%
HK$7,817
baseline
▲ 0.50% · 4.625%
HK$8,293
+HK$476/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$15,634/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,183
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,403
−HK$222/mo
Today · 4.125%
HK$8,625
baseline
▲ 0.50% · 4.625%
HK$9,080
+HK$455/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$17,250/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,457
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,752
−HK$298/mo
Today · 4.125%
HK$10,050
baseline
▲ 0.50% · 4.625%
HK$10,662
+HK$612/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,100/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$10,521
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,803
−HK$287/mo
Today · 4.125%
HK$11,090
baseline
▲ 0.50% · 4.625%
HK$11,674
+HK$584/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,180/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).