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$5,202
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,364
−HK$165/mo
Today · 4.125%
HK$5,529
baseline
▲ 0.50% · 4.625%
HK$5,865
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,058/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$5,788
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,943
−HK$157/mo
Today · 4.125%
HK$6,100
baseline
▲ 0.50% · 4.625%
HK$6,422
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,200/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$6,243
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,437
−HK$197/mo
Today · 4.125%
HK$6,634
baseline
▲ 0.50% · 4.625%
HK$7,038
+HK$404/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$13,268/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,945
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,131
−HK$189/mo
Today · 4.125%
HK$7,320
baseline
▲ 0.50% · 4.625%
HK$7,706
+HK$386/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$14,640/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,283
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,510
−HK$230/mo
Today · 4.125%
HK$7,740
baseline
▲ 0.50% · 4.625%
HK$8,211
+HK$471/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$15,480/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,103
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,320
−HK$220/mo
Today · 4.125%
HK$8,540
baseline
▲ 0.50% · 4.625%
HK$8,991
+HK$451/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$17,080/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,364
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,656
−HK$296/mo
Today · 4.125%
HK$9,952
baseline
▲ 0.50% · 4.625%
HK$10,557
+HK$605/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,904/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$10,418
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,697
−HK$284/mo
Today · 4.125%
HK$10,981
baseline
▲ 0.50% · 4.625%
HK$11,559
+HK$578/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,962/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).