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$5,243
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,406
−HK$166/mo
Today · 4.125%
HK$5,572
baseline
▲ 0.50% · 4.625%
HK$5,911
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,144/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$5,833
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,989
−HK$159/mo
Today · 4.125%
HK$6,148
baseline
▲ 0.50% · 4.625%
HK$6,472
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,296/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$6,292
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,487
−HK$199/mo
Today · 4.125%
HK$6,686
baseline
▲ 0.50% · 4.625%
HK$7,093
+HK$407/mo
Deposit HK$920K · loan HK$1.38M · min. income ≈ HK$13,372/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,999
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,187
−HK$190/mo
Today · 4.125%
HK$7,377
baseline
▲ 0.50% · 4.625%
HK$7,766
+HK$389/mo
Deposit HK$920K · loan HK$1.38M · min. income ≈ HK$14,754/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,340
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,568
−HK$232/mo
Today · 4.125%
HK$7,800
baseline
▲ 0.50% · 4.625%
HK$8,275
+HK$475/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$15,600/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,166
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,385
−HK$222/mo
Today · 4.125%
HK$8,607
baseline
▲ 0.50% · 4.625%
HK$9,061
+HK$454/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$17,214/mo (50% DSR)
Upfront cash ≈ HK$690K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,437
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,731
−HK$298/mo
Today · 4.125%
HK$10,029
baseline
▲ 0.50% · 4.625%
HK$10,639
+HK$610/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,058/mo (50% DSR)
Upfront cash ≈ HK$230K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,499
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,781
−HK$285/mo
Today · 4.125%
HK$11,066
baseline
▲ 0.50% · 4.625%
HK$11,650
+HK$584/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,132/mo (50% DSR)
Upfront cash ≈ HK$230K (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).