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$5,236
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,399
−HK$165/mo
Today · 4.125%
HK$5,564
baseline
▲ 0.50% · 4.625%
HK$5,903
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,128/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,825
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,981
−HK$159/mo
Today · 4.125%
HK$6,140
baseline
▲ 0.50% · 4.625%
HK$6,463
+HK$323/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,280/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,283
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,479
−HK$198/mo
Today · 4.125%
HK$6,677
baseline
▲ 0.50% · 4.625%
HK$7,084
+HK$407/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$13,354/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,990
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,178
−HK$190/mo
Today · 4.125%
HK$7,368
baseline
▲ 0.50% · 4.625%
HK$7,756
+HK$388/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$14,736/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,331
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,559
−HK$231/mo
Today · 4.125%
HK$7,790
baseline
▲ 0.50% · 4.625%
HK$8,264
+HK$474/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$15,580/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,155
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,374
−HK$222/mo
Today · 4.125%
HK$8,596
baseline
▲ 0.50% · 4.625%
HK$9,049
+HK$453/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$17,192/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,425
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,718
−HK$298/mo
Today · 4.125%
HK$10,016
baseline
▲ 0.50% · 4.625%
HK$10,625
+HK$609/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,032/mo (50% DSR)
Upfront cash ≈ HK$230K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,485
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,766
−HK$286/mo
Today · 4.125%
HK$11,052
baseline
▲ 0.50% · 4.625%
HK$11,634
+HK$582/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,104/mo (50% DSR)
Upfront cash ≈ HK$230K (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).