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$5,233
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,396
−HK$165/mo
Today · 4.125%
HK$5,561
baseline
▲ 0.50% · 4.625%
HK$5,900
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,122/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$5,822
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,978
−HK$158/mo
Today · 4.125%
HK$6,136
baseline
▲ 0.50% · 4.625%
HK$6,460
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,272/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$6,280
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,475
−HK$199/mo
Today · 4.125%
HK$6,674
baseline
▲ 0.50% · 4.625%
HK$7,080
+HK$406/mo
Deposit HK$918K · loan HK$1.38M · min. income ≈ HK$13,348/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,986
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,174
−HK$190/mo
Today · 4.125%
HK$7,364
baseline
▲ 0.50% · 4.625%
HK$7,752
+HK$388/mo
Deposit HK$918K · loan HK$1.38M · min. income ≈ HK$14,728/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,326
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,554
−HK$232/mo
Today · 4.125%
HK$7,786
baseline
▲ 0.50% · 4.625%
HK$8,260
+HK$474/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$15,572/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$8,151
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,369
−HK$222/mo
Today · 4.125%
HK$8,591
baseline
▲ 0.50% · 4.625%
HK$9,044
+HK$453/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$17,182/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$9,420
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,713
−HK$297/mo
Today · 4.125%
HK$10,010
baseline
▲ 0.50% · 4.625%
HK$10,619
+HK$609/mo
Deposit HK$229K · loan HK$2.07M · min. income ≈ HK$20,020/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$10,479
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,760
−HK$285/mo
Today · 4.125%
HK$11,045
baseline
▲ 0.50% · 4.625%
HK$11,628
+HK$583/mo
Deposit HK$229K · loan HK$2.07M · min. income ≈ HK$22,090/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).