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$5,218
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,380
−HK$165/mo
Today · 4.125%
HK$5,545
baseline
▲ 0.50% · 4.625%
HK$5,883
+HK$338/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,090/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$5,805
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,961
−HK$158/mo
Today · 4.125%
HK$6,119
baseline
▲ 0.50% · 4.625%
HK$6,441
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,238/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$6,262
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,457
−HK$197/mo
Today · 4.125%
HK$6,654
baseline
▲ 0.50% · 4.625%
HK$7,059
+HK$405/mo
Deposit HK$915K · loan HK$1.37M · min. income ≈ HK$13,308/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,966
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,153
−HK$189/mo
Today · 4.125%
HK$7,342
baseline
▲ 0.50% · 4.625%
HK$7,729
+HK$387/mo
Deposit HK$915K · loan HK$1.37M · min. income ≈ HK$14,684/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,305
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,533
−HK$230/mo
Today · 4.125%
HK$7,763
baseline
▲ 0.50% · 4.625%
HK$8,236
+HK$473/mo
Deposit HK$687K · loan HK$1.60M · min. income ≈ HK$15,526/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,127
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,345
−HK$221/mo
Today · 4.125%
HK$8,566
baseline
▲ 0.50% · 4.625%
HK$9,018
+HK$452/mo
Deposit HK$687K · loan HK$1.60M · min. income ≈ HK$17,132/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,393
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,685
−HK$297/mo
Today · 4.125%
HK$9,982
baseline
▲ 0.50% · 4.625%
HK$10,589
+HK$607/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,964/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$10,449
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,729
−HK$285/mo
Today · 4.125%
HK$11,014
baseline
▲ 0.50% · 4.625%
HK$11,594
+HK$580/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,028/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).