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$5,265
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,429
−HK$166/mo
Today · 4.125%
HK$5,595
baseline
▲ 0.50% · 4.625%
HK$5,936
+HK$341/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,190/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$5,857
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,014
−HK$160/mo
Today · 4.125%
HK$6,174
baseline
▲ 0.50% · 4.625%
HK$6,499
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,348/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$6,318
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,515
−HK$199/mo
Today · 4.125%
HK$6,714
baseline
▲ 0.50% · 4.625%
HK$7,123
+HK$409/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$13,428/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$7,029
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,217
−HK$192/mo
Today · 4.125%
HK$7,409
baseline
▲ 0.50% · 4.625%
HK$7,799
+HK$390/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$14,818/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$7,371
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,600
−HK$233/mo
Today · 4.125%
HK$7,833
baseline
▲ 0.50% · 4.625%
HK$8,310
+HK$477/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$15,666/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$8,200
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,420
−HK$223/mo
Today · 4.125%
HK$8,643
baseline
▲ 0.50% · 4.625%
HK$9,099
+HK$456/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$17,286/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$9,477
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,772
−HK$299/mo
Today · 4.125%
HK$10,071
baseline
▲ 0.50% · 4.625%
HK$10,684
+HK$613/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,142/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$10,543
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,826
−HK$287/mo
Today · 4.125%
HK$11,113
baseline
▲ 0.50% · 4.625%
HK$11,699
+HK$586/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,226/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).