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$5,284
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,448
−HK$167/mo
Today · 4.125%
HK$5,615
baseline
▲ 0.50% · 4.625%
HK$5,957
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,230/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$5,878
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,036
−HK$160/mo
Today · 4.125%
HK$6,196
baseline
▲ 0.50% · 4.625%
HK$6,522
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,392/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$6,340
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,538
−HK$200/mo
Today · 4.125%
HK$6,738
baseline
▲ 0.50% · 4.625%
HK$7,148
+HK$410/mo
Deposit HK$927K · loan HK$1.39M · min. income ≈ HK$13,476/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,054
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,243
−HK$192/mo
Today · 4.125%
HK$7,435
baseline
▲ 0.50% · 4.625%
HK$7,827
+HK$392/mo
Deposit HK$927K · loan HK$1.39M · min. income ≈ HK$14,870/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,397
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,627
−HK$234/mo
Today · 4.125%
HK$7,861
baseline
▲ 0.50% · 4.625%
HK$8,339
+HK$478/mo
Deposit HK$695K · loan HK$1.62M · min. income ≈ HK$15,722/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,229
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,450
−HK$224/mo
Today · 4.125%
HK$8,674
baseline
▲ 0.50% · 4.625%
HK$9,131
+HK$457/mo
Deposit HK$695K · loan HK$1.62M · min. income ≈ HK$17,348/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,511
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,807
−HK$300/mo
Today · 4.125%
HK$10,107
baseline
▲ 0.50% · 4.625%
HK$10,722
+HK$615/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,214/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$10,581
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,864
−HK$288/mo
Today · 4.125%
HK$11,152
baseline
▲ 0.50% · 4.625%
HK$11,740
+HK$588/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,304/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).