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$5,267
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,431
−HK$167/mo
Today · 4.125%
HK$5,598
baseline
▲ 0.50% · 4.625%
HK$5,938
+HK$340/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,196/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,860
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,017
−HK$160/mo
Today · 4.125%
HK$6,177
baseline
▲ 0.50% · 4.625%
HK$6,502
+HK$325/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,354/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,321
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,518
−HK$199/mo
Today · 4.125%
HK$6,717
baseline
▲ 0.50% · 4.625%
HK$7,126
+HK$409/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$13,434/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,032
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,221
−HK$191/mo
Today · 4.125%
HK$7,412
baseline
▲ 0.50% · 4.625%
HK$7,803
+HK$391/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$14,824/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,374
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,604
−HK$233/mo
Today · 4.125%
HK$7,837
baseline
▲ 0.50% · 4.625%
HK$8,314
+HK$477/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$15,674/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,204
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,424
−HK$223/mo
Today · 4.125%
HK$8,647
baseline
▲ 0.50% · 4.625%
HK$9,103
+HK$456/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$17,294/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,481
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,776
−HK$300/mo
Today · 4.125%
HK$10,076
baseline
▲ 0.50% · 4.625%
HK$10,689
+HK$613/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,152/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,548
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,831
−HK$287/mo
Today · 4.125%
HK$11,118
baseline
▲ 0.50% · 4.625%
HK$11,704
+HK$586/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,236/mo (50% DSR)
Upfront cash ≈ HK$231K (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).