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$5,220
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,383
−HK$165/mo
Today · 4.125%
HK$5,548
baseline
▲ 0.50% · 4.625%
HK$5,885
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,096/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,807
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,963
−HK$158/mo
Today · 4.125%
HK$6,121
baseline
▲ 0.50% · 4.625%
HK$6,444
+HK$323/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,242/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,264
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,459
−HK$198/mo
Today · 4.125%
HK$6,657
baseline
▲ 0.50% · 4.625%
HK$7,062
+HK$405/mo
Deposit HK$916K · loan HK$1.37M · min. income ≈ HK$13,314/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,969
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,156
−HK$189/mo
Today · 4.125%
HK$7,345
baseline
▲ 0.50% · 4.625%
HK$7,733
+HK$388/mo
Deposit HK$916K · loan HK$1.37M · min. income ≈ HK$14,690/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,308
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,536
−HK$231/mo
Today · 4.125%
HK$7,767
baseline
▲ 0.50% · 4.625%
HK$8,239
+HK$472/mo
Deposit HK$687K · loan HK$1.60M · min. income ≈ HK$15,534/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,130
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,349
−HK$221/mo
Today · 4.125%
HK$8,570
baseline
▲ 0.50% · 4.625%
HK$9,021
+HK$451/mo
Deposit HK$687K · loan HK$1.60M · min. income ≈ HK$17,140/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,396
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,689
−HK$297/mo
Today · 4.125%
HK$9,986
baseline
▲ 0.50% · 4.625%
HK$10,593
+HK$607/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,972/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,453
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,734
−HK$284/mo
Today · 4.125%
HK$11,018
baseline
▲ 0.50% · 4.625%
HK$11,599
+HK$581/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,036/mo (50% DSR)
Upfront cash ≈ HK$229K (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).