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$5,146
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,306
−HK$163/mo
Today · 4.125%
HK$5,469
baseline
▲ 0.50% · 4.625%
HK$5,802
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,938/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$5,725
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,879
−HK$155/mo
Today · 4.125%
HK$6,034
baseline
▲ 0.50% · 4.625%
HK$6,352
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,068/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$6,175
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,367
−HK$196/mo
Today · 4.125%
HK$6,563
baseline
▲ 0.50% · 4.625%
HK$6,962
+HK$399/mo
Deposit HK$903K · loan HK$1.35M · min. income ≈ HK$13,126/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$6,870
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,054
−HK$187/mo
Today · 4.125%
HK$7,241
baseline
▲ 0.50% · 4.625%
HK$7,623
+HK$382/mo
Deposit HK$903K · loan HK$1.35M · min. income ≈ HK$14,482/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$7,205
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,429
−HK$227/mo
Today · 4.125%
HK$7,656
baseline
▲ 0.50% · 4.625%
HK$8,122
+HK$466/mo
Deposit HK$677K · loan HK$1.58M · min. income ≈ HK$15,312/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$8,015
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,230
−HK$218/mo
Today · 4.125%
HK$8,448
baseline
▲ 0.50% · 4.625%
HK$8,893
+HK$445/mo
Deposit HK$677K · loan HK$1.58M · min. income ≈ HK$16,896/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$9,263
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,551
−HK$293/mo
Today · 4.125%
HK$9,844
baseline
▲ 0.50% · 4.625%
HK$10,443
+HK$599/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$19,688/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$10,305
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,581
−HK$281/mo
Today · 4.125%
HK$10,862
baseline
▲ 0.50% · 4.625%
HK$11,434
+HK$572/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$21,724/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).