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$5,187
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,348
−HK$164/mo
Today · 4.125%
HK$5,512
baseline
▲ 0.50% · 4.625%
HK$5,848
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,024/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$5,771
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,925
−HK$157/mo
Today · 4.125%
HK$6,082
baseline
▲ 0.50% · 4.625%
HK$6,403
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,164/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$6,224
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,418
−HK$197/mo
Today · 4.125%
HK$6,615
baseline
▲ 0.50% · 4.625%
HK$7,017
+HK$402/mo
Deposit HK$910K · loan HK$1.36M · min. income ≈ HK$13,230/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,925
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,110
−HK$189/mo
Today · 4.125%
HK$7,299
baseline
▲ 0.50% · 4.625%
HK$7,684
+HK$385/mo
Deposit HK$910K · loan HK$1.36M · min. income ≈ HK$14,598/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,262
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,488
−HK$229/mo
Today · 4.125%
HK$7,717
baseline
▲ 0.50% · 4.625%
HK$8,187
+HK$470/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$15,434/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,079
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,295
−HK$220/mo
Today · 4.125%
HK$8,515
baseline
▲ 0.50% · 4.625%
HK$8,964
+HK$449/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$17,030/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,337
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,627
−HK$295/mo
Today · 4.125%
HK$9,922
baseline
▲ 0.50% · 4.625%
HK$10,526
+HK$604/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$19,844/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,387
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,666
−HK$282/mo
Today · 4.125%
HK$10,948
baseline
▲ 0.50% · 4.625%
HK$11,525
+HK$577/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$21,896/mo (50% DSR)
Upfront cash ≈ HK$228K (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).