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$5,196
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,357
−HK$164/mo
Today · 4.125%
HK$5,521
baseline
▲ 0.50% · 4.625%
HK$5,857
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,042/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$5,780
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,935
−HK$157/mo
Today · 4.125%
HK$6,092
baseline
▲ 0.50% · 4.625%
HK$6,414
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,184/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$6,235
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,429
−HK$197/mo
Today · 4.125%
HK$6,626
baseline
▲ 0.50% · 4.625%
HK$7,029
+HK$403/mo
Deposit HK$911K · loan HK$1.37M · min. income ≈ HK$13,252/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,936
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,122
−HK$189/mo
Today · 4.125%
HK$7,311
baseline
▲ 0.50% · 4.625%
HK$7,696
+HK$385/mo
Deposit HK$911K · loan HK$1.37M · min. income ≈ HK$14,622/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,274
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,500
−HK$230/mo
Today · 4.125%
HK$7,730
baseline
▲ 0.50% · 4.625%
HK$8,200
+HK$470/mo
Deposit HK$684K · loan HK$1.59M · min. income ≈ HK$15,460/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,092
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,309
−HK$220/mo
Today · 4.125%
HK$8,529
baseline
▲ 0.50% · 4.625%
HK$8,979
+HK$450/mo
Deposit HK$684K · loan HK$1.59M · min. income ≈ HK$17,058/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,352
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,643
−HK$296/mo
Today · 4.125%
HK$9,939
baseline
▲ 0.50% · 4.625%
HK$10,543
+HK$604/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,878/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$10,404
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,683
−HK$283/mo
Today · 4.125%
HK$10,966
baseline
▲ 0.50% · 4.625%
HK$11,544
+HK$578/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,932/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).