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$5,175
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,336
−HK$164/mo
Today · 4.125%
HK$5,500
baseline
▲ 0.50% · 4.625%
HK$5,834
+HK$334/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$11,000/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$5,757
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,912
−HK$156/mo
Today · 4.125%
HK$6,068
baseline
▲ 0.50% · 4.625%
HK$6,388
+HK$320/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,136/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$6,210
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,403
−HK$196/mo
Today · 4.125%
HK$6,599
baseline
▲ 0.50% · 4.625%
HK$7,001
+HK$402/mo
Deposit HK$908K · loan HK$1.36M · min. income ≈ HK$13,198/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,909
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,094
−HK$188/mo
Today · 4.125%
HK$7,282
baseline
▲ 0.50% · 4.625%
HK$7,666
+HK$384/mo
Deposit HK$908K · loan HK$1.36M · min. income ≈ HK$14,564/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,245
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,470
−HK$229/mo
Today · 4.125%
HK$7,699
baseline
▲ 0.50% · 4.625%
HK$8,168
+HK$469/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$15,398/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,060
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,276
−HK$219/mo
Today · 4.125%
HK$8,495
baseline
▲ 0.50% · 4.625%
HK$8,943
+HK$448/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$16,990/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,315
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,605
−HK$294/mo
Today · 4.125%
HK$9,899
baseline
▲ 0.50% · 4.625%
HK$10,502
+HK$603/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,798/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,363
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,641
−HK$282/mo
Today · 4.125%
HK$10,923
baseline
▲ 0.50% · 4.625%
HK$11,499
+HK$576/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,846/mo (50% DSR)
Upfront cash ≈ HK$227K (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).