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$5,277
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,442
−HK$166/mo
Today · 4.125%
HK$5,608
baseline
▲ 0.50% · 4.625%
HK$5,950
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,216/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$5,871
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,029
−HK$159/mo
Today · 4.125%
HK$6,188
baseline
▲ 0.50% · 4.625%
HK$6,514
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,376/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$6,333
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,530
−HK$200/mo
Today · 4.125%
HK$6,730
baseline
▲ 0.50% · 4.625%
HK$7,140
+HK$410/mo
Deposit HK$926K · loan HK$1.39M · min. income ≈ HK$13,460/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,045
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,234
−HK$192/mo
Today · 4.125%
HK$7,426
baseline
▲ 0.50% · 4.625%
HK$7,817
+HK$391/mo
Deposit HK$926K · loan HK$1.39M · min. income ≈ HK$14,852/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,388
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,618
−HK$234/mo
Today · 4.125%
HK$7,852
baseline
▲ 0.50% · 4.625%
HK$8,329
+HK$477/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$15,704/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,219
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,440
−HK$224/mo
Today · 4.125%
HK$8,664
baseline
▲ 0.50% · 4.625%
HK$9,120
+HK$456/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$17,328/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,499
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,795
−HK$300/mo
Today · 4.125%
HK$10,095
baseline
▲ 0.50% · 4.625%
HK$10,709
+HK$614/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,190/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$10,568
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,851
−HK$288/mo
Today · 4.125%
HK$11,139
baseline
▲ 0.50% · 4.625%
HK$11,726
+HK$587/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,278/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).