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$5,263
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,427
−HK$166/mo
Today · 4.125%
HK$5,593
baseline
▲ 0.50% · 4.625%
HK$5,934
+HK$341/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,186/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$5,855
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,012
−HK$160/mo
Today · 4.125%
HK$6,172
baseline
▲ 0.50% · 4.625%
HK$6,497
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,344/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$6,316
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,512
−HK$200/mo
Today · 4.125%
HK$6,712
baseline
▲ 0.50% · 4.625%
HK$7,120
+HK$408/mo
Deposit HK$923K · loan HK$1.38M · min. income ≈ HK$13,424/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,026
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,215
−HK$191/mo
Today · 4.125%
HK$7,406
baseline
▲ 0.50% · 4.625%
HK$7,796
+HK$390/mo
Deposit HK$923K · loan HK$1.38M · min. income ≈ HK$14,812/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,369
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,598
−HK$233/mo
Today · 4.125%
HK$7,831
baseline
▲ 0.50% · 4.625%
HK$8,307
+HK$476/mo
Deposit HK$692K · loan HK$1.62M · min. income ≈ HK$15,662/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,197
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,417
−HK$223/mo
Today · 4.125%
HK$8,640
baseline
▲ 0.50% · 4.625%
HK$9,096
+HK$456/mo
Deposit HK$692K · loan HK$1.62M · min. income ≈ HK$17,280/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,474
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,769
−HK$299/mo
Today · 4.125%
HK$10,068
baseline
▲ 0.50% · 4.625%
HK$10,681
+HK$613/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,136/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$10,540
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,822
−HK$287/mo
Today · 4.125%
HK$11,109
baseline
▲ 0.50% · 4.625%
HK$11,695
+HK$586/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,218/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).