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$5,149
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,309
−HK$162/mo
Today · 4.125%
HK$5,471
baseline
▲ 0.50% · 4.625%
HK$5,804
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,942/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,728
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,881
−HK$156/mo
Today · 4.125%
HK$6,037
baseline
▲ 0.50% · 4.625%
HK$6,355
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,074/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,178
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,370
−HK$196/mo
Today · 4.125%
HK$6,566
baseline
▲ 0.50% · 4.625%
HK$6,965
+HK$399/mo
Deposit HK$903K · loan HK$1.35M · min. income ≈ HK$13,132/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,873
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,058
−HK$187/mo
Today · 4.125%
HK$7,245
baseline
▲ 0.50% · 4.625%
HK$7,626
+HK$381/mo
Deposit HK$903K · loan HK$1.35M · min. income ≈ HK$14,490/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,208
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,432
−HK$228/mo
Today · 4.125%
HK$7,660
baseline
▲ 0.50% · 4.625%
HK$8,126
+HK$466/mo
Deposit HK$677K · loan HK$1.58M · min. income ≈ HK$15,320/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,019
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,234
−HK$218/mo
Today · 4.125%
HK$8,452
baseline
▲ 0.50% · 4.625%
HK$8,897
+HK$445/mo
Deposit HK$677K · loan HK$1.58M · min. income ≈ HK$16,904/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,267
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,556
−HK$292/mo
Today · 4.125%
HK$9,848
baseline
▲ 0.50% · 4.625%
HK$10,448
+HK$600/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$19,696/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,310
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,586
−HK$281/mo
Today · 4.125%
HK$10,867
baseline
▲ 0.50% · 4.625%
HK$11,440
+HK$573/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$21,734/mo (50% DSR)
Upfront cash ≈ HK$226K (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).