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$5,188
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,349
−HK$164/mo
Today · 4.125%
HK$5,513
baseline
▲ 0.50% · 4.625%
HK$5,849
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,026/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,772
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,926
−HK$157/mo
Today · 4.125%
HK$6,083
baseline
▲ 0.50% · 4.625%
HK$6,404
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,166/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,226
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,419
−HK$197/mo
Today · 4.125%
HK$6,616
baseline
▲ 0.50% · 4.625%
HK$7,019
+HK$403/mo
Deposit HK$910K · loan HK$1.37M · min. income ≈ HK$13,232/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,926
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,112
−HK$188/mo
Today · 4.125%
HK$7,300
baseline
▲ 0.50% · 4.625%
HK$7,685
+HK$385/mo
Deposit HK$910K · loan HK$1.37M · min. income ≈ HK$14,600/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,263
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,489
−HK$230/mo
Today · 4.125%
HK$7,719
baseline
▲ 0.50% · 4.625%
HK$8,188
+HK$469/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$15,438/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,080
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,297
−HK$220/mo
Today · 4.125%
HK$8,517
baseline
▲ 0.50% · 4.625%
HK$8,966
+HK$449/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$17,034/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,338
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,629
−HK$295/mo
Today · 4.125%
HK$9,924
baseline
▲ 0.50% · 4.625%
HK$10,528
+HK$604/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,848/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,389
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,667
−HK$283/mo
Today · 4.125%
HK$10,950
baseline
▲ 0.50% · 4.625%
HK$11,527
+HK$577/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,900/mo (50% DSR)
Upfront cash ≈ HK$228K (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).