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$5,266
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,430
−HK$167/mo
Today · 4.125%
HK$5,597
baseline
▲ 0.50% · 4.625%
HK$5,937
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,194/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$5,859
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,016
−HK$159/mo
Today · 4.125%
HK$6,175
baseline
▲ 0.50% · 4.625%
HK$6,501
+HK$326/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,350/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$6,320
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,516
−HK$200/mo
Today · 4.125%
HK$6,716
baseline
▲ 0.50% · 4.625%
HK$7,124
+HK$408/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$13,432/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,030
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,219
−HK$191/mo
Today · 4.125%
HK$7,410
baseline
▲ 0.50% · 4.625%
HK$7,801
+HK$391/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$14,820/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,373
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,602
−HK$233/mo
Today · 4.125%
HK$7,835
baseline
▲ 0.50% · 4.625%
HK$8,312
+HK$477/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$15,670/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,202
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,422
−HK$223/mo
Today · 4.125%
HK$8,645
baseline
▲ 0.50% · 4.625%
HK$9,101
+HK$456/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$17,290/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,479
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,774
−HK$300/mo
Today · 4.125%
HK$10,074
baseline
▲ 0.50% · 4.625%
HK$10,687
+HK$613/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,148/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,546
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,828
−HK$287/mo
Today · 4.125%
HK$11,115
baseline
▲ 0.50% · 4.625%
HK$11,701
+HK$586/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,230/mo (50% DSR)
Upfront cash ≈ HK$231K (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).