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$5,257
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,420
−HK$166/mo
Today · 4.125%
HK$5,586
baseline
▲ 0.50% · 4.625%
HK$5,926
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,172/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$5,848
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,005
−HK$159/mo
Today · 4.125%
HK$6,164
baseline
▲ 0.50% · 4.625%
HK$6,489
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,328/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$6,308
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,504
−HK$200/mo
Today · 4.125%
HK$6,704
baseline
▲ 0.50% · 4.625%
HK$7,111
+HK$407/mo
Deposit HK$922K · loan HK$1.38M · min. income ≈ HK$13,408/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,018
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,206
−HK$191/mo
Today · 4.125%
HK$7,397
baseline
▲ 0.50% · 4.625%
HK$7,787
+HK$390/mo
Deposit HK$922K · loan HK$1.38M · min. income ≈ HK$14,794/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,359
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,588
−HK$233/mo
Today · 4.125%
HK$7,821
baseline
▲ 0.50% · 4.625%
HK$8,297
+HK$476/mo
Deposit HK$692K · loan HK$1.61M · min. income ≈ HK$15,642/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,187
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,407
−HK$223/mo
Today · 4.125%
HK$8,630
baseline
▲ 0.50% · 4.625%
HK$9,084
+HK$454/mo
Deposit HK$692K · loan HK$1.61M · min. income ≈ HK$17,260/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,462
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,756
−HK$299/mo
Today · 4.125%
HK$10,055
baseline
▲ 0.50% · 4.625%
HK$10,667
+HK$612/mo
Deposit HK$231K · loan HK$2.07M · min. income ≈ HK$20,110/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$10,526
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,809
−HK$286/mo
Today · 4.125%
HK$11,095
baseline
▲ 0.50% · 4.625%
HK$11,680
+HK$585/mo
Deposit HK$231K · loan HK$2.07M · min. income ≈ HK$22,190/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).