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$5,164
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,325
−HK$163/mo
Today · 4.125%
HK$5,488
baseline
▲ 0.50% · 4.625%
HK$5,822
+HK$334/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,976/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$5,745
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,899
−HK$156/mo
Today · 4.125%
HK$6,055
baseline
▲ 0.50% · 4.625%
HK$6,374
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,110/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$6,197
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,389
−HK$196/mo
Today · 4.125%
HK$6,585
baseline
▲ 0.50% · 4.625%
HK$6,986
+HK$401/mo
Deposit HK$906K · loan HK$1.36M · min. income ≈ HK$13,170/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,894
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,079
−HK$187/mo
Today · 4.125%
HK$7,266
baseline
▲ 0.50% · 4.625%
HK$7,649
+HK$383/mo
Deposit HK$906K · loan HK$1.36M · min. income ≈ HK$14,532/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,230
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,454
−HK$229/mo
Today · 4.125%
HK$7,683
baseline
▲ 0.50% · 4.625%
HK$8,150
+HK$467/mo
Deposit HK$679K · loan HK$1.59M · min. income ≈ HK$15,366/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,043
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,258
−HK$219/mo
Today · 4.125%
HK$8,477
baseline
▲ 0.50% · 4.625%
HK$8,924
+HK$447/mo
Deposit HK$679K · loan HK$1.59M · min. income ≈ HK$16,954/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,295
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,584
−HK$294/mo
Today · 4.125%
HK$9,878
baseline
▲ 0.50% · 4.625%
HK$10,479
+HK$601/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$19,756/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,341
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,618
−HK$281/mo
Today · 4.125%
HK$10,899
baseline
▲ 0.50% · 4.625%
HK$11,474
+HK$575/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$21,798/mo (50% DSR)
Upfront cash ≈ HK$227K (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).