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$5,159
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,320
−HK$163/mo
Today · 4.125%
HK$5,483
baseline
▲ 0.50% · 4.625%
HK$5,816
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,966/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$5,739
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,893
−HK$156/mo
Today · 4.125%
HK$6,049
baseline
▲ 0.50% · 4.625%
HK$6,368
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,098/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$6,191
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,383
−HK$196/mo
Today · 4.125%
HK$6,579
baseline
▲ 0.50% · 4.625%
HK$6,979
+HK$400/mo
Deposit HK$905K · loan HK$1.36M · min. income ≈ HK$13,158/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,887
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,072
−HK$187/mo
Today · 4.125%
HK$7,259
baseline
▲ 0.50% · 4.625%
HK$7,642
+HK$383/mo
Deposit HK$905K · loan HK$1.36M · min. income ≈ HK$14,518/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,223
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,447
−HK$229/mo
Today · 4.125%
HK$7,676
baseline
▲ 0.50% · 4.625%
HK$8,143
+HK$467/mo
Deposit HK$679K · loan HK$1.58M · min. income ≈ HK$15,352/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$8,035
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,251
−HK$218/mo
Today · 4.125%
HK$8,469
baseline
▲ 0.50% · 4.625%
HK$8,916
+HK$447/mo
Deposit HK$679K · loan HK$1.58M · min. income ≈ HK$16,938/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$9,286
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,575
−HK$294/mo
Today · 4.125%
HK$9,869
baseline
▲ 0.50% · 4.625%
HK$10,469
+HK$600/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$19,738/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$10,331
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,608
−HK$281/mo
Today · 4.125%
HK$10,889
baseline
▲ 0.50% · 4.625%
HK$11,463
+HK$574/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$21,778/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).