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$5,279
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,443
−HK$167/mo
Today · 4.125%
HK$5,610
baseline
▲ 0.50% · 4.625%
HK$5,952
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,220/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$5,873
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,031
−HK$159/mo
Today · 4.125%
HK$6,190
baseline
▲ 0.50% · 4.625%
HK$6,517
+HK$327/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,380/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$6,335
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,532
−HK$200/mo
Today · 4.125%
HK$6,732
baseline
▲ 0.50% · 4.625%
HK$7,142
+HK$410/mo
Deposit HK$926K · loan HK$1.39M · min. income ≈ HK$13,464/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$7,048
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,237
−HK$191/mo
Today · 4.125%
HK$7,428
baseline
▲ 0.50% · 4.625%
HK$7,820
+HK$392/mo
Deposit HK$926K · loan HK$1.39M · min. income ≈ HK$14,856/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$7,391
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,621
−HK$233/mo
Today · 4.125%
HK$7,854
baseline
▲ 0.50% · 4.625%
HK$8,332
+HK$478/mo
Deposit HK$695K · loan HK$1.62M · min. income ≈ HK$15,708/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$8,222
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,443
−HK$223/mo
Today · 4.125%
HK$8,666
baseline
▲ 0.50% · 4.625%
HK$9,123
+HK$457/mo
Deposit HK$695K · loan HK$1.62M · min. income ≈ HK$17,332/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$9,503
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,798
−HK$300/mo
Today · 4.125%
HK$10,098
baseline
▲ 0.50% · 4.625%
HK$10,713
+HK$615/mo
Deposit HK$232K · loan HK$2.08M · min. income ≈ HK$20,196/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$10,571
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,855
−HK$288/mo
Today · 4.125%
HK$11,143
baseline
▲ 0.50% · 4.625%
HK$11,730
+HK$587/mo
Deposit HK$232K · loan HK$2.08M · min. income ≈ HK$22,286/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).