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$5,242
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,405
−HK$165/mo
Today · 4.125%
HK$5,570
baseline
▲ 0.50% · 4.625%
HK$5,909
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,140/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$5,831
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,988
−HK$158/mo
Today · 4.125%
HK$6,146
baseline
▲ 0.50% · 4.625%
HK$6,470
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,292/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$6,290
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,486
−HK$198/mo
Today · 4.125%
HK$6,684
baseline
▲ 0.50% · 4.625%
HK$7,091
+HK$407/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$13,368/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,998
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,185
−HK$191/mo
Today · 4.125%
HK$7,376
baseline
▲ 0.50% · 4.625%
HK$7,764
+HK$388/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$14,752/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,338
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,567
−HK$232/mo
Today · 4.125%
HK$7,799
baseline
▲ 0.50% · 4.625%
HK$8,273
+HK$474/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$15,598/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,164
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,383
−HK$222/mo
Today · 4.125%
HK$8,605
baseline
▲ 0.50% · 4.625%
HK$9,059
+HK$454/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$17,210/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,435
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,729
−HK$298/mo
Today · 4.125%
HK$10,027
baseline
▲ 0.50% · 4.625%
HK$10,637
+HK$610/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,054/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$10,496
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,778
−HK$286/mo
Today · 4.125%
HK$11,064
baseline
▲ 0.50% · 4.625%
HK$11,647
+HK$583/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,128/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).