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$5,272
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,436
−HK$166/mo
Today · 4.125%
HK$5,602
baseline
▲ 0.50% · 4.625%
HK$5,943
+HK$341/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,204/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,865
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,022
−HK$159/mo
Today · 4.125%
HK$6,181
baseline
▲ 0.50% · 4.625%
HK$6,507
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,362/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,326
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,523
−HK$200/mo
Today · 4.125%
HK$6,723
baseline
▲ 0.50% · 4.625%
HK$7,132
+HK$409/mo
Deposit HK$925K · loan HK$1.39M · min. income ≈ HK$13,446/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,037
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,226
−HK$192/mo
Today · 4.125%
HK$7,418
baseline
▲ 0.50% · 4.625%
HK$7,809
+HK$391/mo
Deposit HK$925K · loan HK$1.39M · min. income ≈ HK$14,836/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,380
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,610
−HK$233/mo
Today · 4.125%
HK$7,843
baseline
▲ 0.50% · 4.625%
HK$8,320
+HK$477/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$15,686/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,210
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,431
−HK$223/mo
Today · 4.125%
HK$8,654
baseline
▲ 0.50% · 4.625%
HK$9,110
+HK$456/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$17,308/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,489
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,784
−HK$300/mo
Today · 4.125%
HK$10,084
baseline
▲ 0.50% · 4.625%
HK$10,697
+HK$613/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,168/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$10,556
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,839
−HK$288/mo
Today · 4.125%
HK$11,127
baseline
▲ 0.50% · 4.625%
HK$11,713
+HK$586/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,254/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).