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$5,305
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,470
−HK$168/mo
Today · 4.125%
HK$5,638
baseline
▲ 0.50% · 4.625%
HK$5,981
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,276/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$5,902
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,060
−HK$161/mo
Today · 4.125%
HK$6,221
baseline
▲ 0.50% · 4.625%
HK$6,549
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,442/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$6,366
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,564
−HK$202/mo
Today · 4.125%
HK$6,766
baseline
▲ 0.50% · 4.625%
HK$7,177
+HK$411/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$13,532/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,083
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,273
−HK$192/mo
Today · 4.125%
HK$7,465
baseline
▲ 0.50% · 4.625%
HK$7,859
+HK$394/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$14,930/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,428
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,659
−HK$234/mo
Today · 4.125%
HK$7,893
baseline
▲ 0.50% · 4.625%
HK$8,374
+HK$481/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$15,786/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,263
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,485
−HK$224/mo
Today · 4.125%
HK$8,709
baseline
▲ 0.50% · 4.625%
HK$9,169
+HK$460/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$17,418/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,550
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,847
−HK$301/mo
Today · 4.125%
HK$10,148
baseline
▲ 0.50% · 4.625%
HK$10,766
+HK$618/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$20,296/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,624
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,909
−HK$289/mo
Today · 4.125%
HK$11,198
baseline
▲ 0.50% · 4.625%
HK$11,788
+HK$590/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$22,396/mo (50% DSR)
Upfront cash ≈ HK$233K (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).