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$5,150
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,310
−HK$163/mo
Today · 4.125%
HK$5,473
baseline
▲ 0.50% · 4.625%
HK$5,806
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,946/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$5,729
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,883
−HK$156/mo
Today · 4.125%
HK$6,039
baseline
▲ 0.50% · 4.625%
HK$6,357
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,078/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$6,180
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,372
−HK$196/mo
Today · 4.125%
HK$6,568
baseline
▲ 0.50% · 4.625%
HK$6,967
+HK$399/mo
Deposit HK$903K · loan HK$1.36M · min. income ≈ HK$13,136/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,875
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,060
−HK$187/mo
Today · 4.125%
HK$7,247
baseline
▲ 0.50% · 4.625%
HK$7,629
+HK$382/mo
Deposit HK$903K · loan HK$1.36M · min. income ≈ HK$14,494/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,210
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,434
−HK$228/mo
Today · 4.125%
HK$7,662
baseline
▲ 0.50% · 4.625%
HK$8,128
+HK$466/mo
Deposit HK$678K · loan HK$1.58M · min. income ≈ HK$15,324/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,021
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,236
−HK$219/mo
Today · 4.125%
HK$8,455
baseline
▲ 0.50% · 4.625%
HK$8,900
+HK$445/mo
Deposit HK$678K · loan HK$1.58M · min. income ≈ HK$16,910/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,270
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,558
−HK$293/mo
Today · 4.125%
HK$9,851
baseline
▲ 0.50% · 4.625%
HK$10,451
+HK$600/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$19,702/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,313
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,589
−HK$281/mo
Today · 4.125%
HK$10,870
baseline
▲ 0.50% · 4.625%
HK$11,443
+HK$573/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$21,740/mo (50% DSR)
Upfront cash ≈ HK$226K (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).