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$5,188
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,350
−HK$164/mo
Today · 4.125%
HK$5,514
baseline
▲ 0.50% · 4.625%
HK$5,849
+HK$335/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,028/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$5,772
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,927
−HK$157/mo
Today · 4.125%
HK$6,084
baseline
▲ 0.50% · 4.625%
HK$6,404
+HK$320/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,168/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$6,226
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,420
−HK$196/mo
Today · 4.125%
HK$6,616
baseline
▲ 0.50% · 4.625%
HK$7,019
+HK$403/mo
Deposit HK$910K · loan HK$1.37M · min. income ≈ HK$13,232/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,926
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,112
−HK$188/mo
Today · 4.125%
HK$7,300
baseline
▲ 0.50% · 4.625%
HK$7,685
+HK$385/mo
Deposit HK$910K · loan HK$1.37M · min. income ≈ HK$14,600/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,264
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,490
−HK$229/mo
Today · 4.125%
HK$7,719
baseline
▲ 0.50% · 4.625%
HK$8,189
+HK$470/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$15,438/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,081
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,297
−HK$220/mo
Today · 4.125%
HK$8,517
baseline
▲ 0.50% · 4.625%
HK$8,966
+HK$449/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$17,034/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,339
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,629
−HK$296/mo
Today · 4.125%
HK$9,925
baseline
▲ 0.50% · 4.625%
HK$10,528
+HK$603/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,850/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$10,389
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,668
−HK$283/mo
Today · 4.125%
HK$10,951
baseline
▲ 0.50% · 4.625%
HK$11,528
+HK$577/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,902/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).