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$5,211
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,373
−HK$165/mo
Today · 4.125%
HK$5,538
baseline
▲ 0.50% · 4.625%
HK$5,875
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,076/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$5,798
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,953
−HK$158/mo
Today · 4.125%
HK$6,111
baseline
▲ 0.50% · 4.625%
HK$6,433
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,222/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$6,254
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,448
−HK$198/mo
Today · 4.125%
HK$6,646
baseline
▲ 0.50% · 4.625%
HK$7,050
+HK$404/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$13,292/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,957
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,144
−HK$189/mo
Today · 4.125%
HK$7,333
baseline
▲ 0.50% · 4.625%
HK$7,719
+HK$386/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$14,666/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,296
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,523
−HK$230/mo
Today · 4.125%
HK$7,753
baseline
▲ 0.50% · 4.625%
HK$8,225
+HK$472/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$15,506/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,117
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,334
−HK$221/mo
Today · 4.125%
HK$8,555
baseline
▲ 0.50% · 4.625%
HK$9,006
+HK$451/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$17,110/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,380
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,672
−HK$297/mo
Today · 4.125%
HK$9,969
baseline
▲ 0.50% · 4.625%
HK$10,575
+HK$606/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,938/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,436
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,715
−HK$284/mo
Today · 4.125%
HK$10,999
baseline
▲ 0.50% · 4.625%
HK$11,579
+HK$580/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$21,998/mo (50% DSR)
Upfront cash ≈ HK$229K (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).