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$5,158
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,318
−HK$163/mo
Today · 4.125%
HK$5,481
baseline
▲ 0.50% · 4.625%
HK$5,815
+HK$334/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,962/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$5,738
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,892
−HK$156/mo
Today · 4.125%
HK$6,048
baseline
▲ 0.50% · 4.625%
HK$6,367
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,096/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$6,190
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,382
−HK$196/mo
Today · 4.125%
HK$6,578
baseline
▲ 0.50% · 4.625%
HK$6,978
+HK$400/mo
Deposit HK$905K · loan HK$1.36M · min. income ≈ HK$13,156/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$6,886
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,071
−HK$187/mo
Today · 4.125%
HK$7,258
baseline
▲ 0.50% · 4.625%
HK$7,640
+HK$382/mo
Deposit HK$905K · loan HK$1.36M · min. income ≈ HK$14,516/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$7,221
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,446
−HK$228/mo
Today · 4.125%
HK$7,674
baseline
▲ 0.50% · 4.625%
HK$8,141
+HK$467/mo
Deposit HK$679K · loan HK$1.58M · min. income ≈ HK$15,348/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$8,033
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,249
−HK$219/mo
Today · 4.125%
HK$8,468
baseline
▲ 0.50% · 4.625%
HK$8,914
+HK$446/mo
Deposit HK$679K · loan HK$1.58M · min. income ≈ HK$16,936/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$9,284
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,573
−HK$294/mo
Today · 4.125%
HK$9,867
baseline
▲ 0.50% · 4.625%
HK$10,467
+HK$600/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$19,734/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$10,329
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,606
−HK$281/mo
Today · 4.125%
HK$10,887
baseline
▲ 0.50% · 4.625%
HK$11,461
+HK$574/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$21,774/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).