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$5,201
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,363
−HK$165/mo
Today · 4.125%
HK$5,528
baseline
▲ 0.50% · 4.625%
HK$5,864
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,056/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$5,786
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,942
−HK$157/mo
Today · 4.125%
HK$6,099
baseline
▲ 0.50% · 4.625%
HK$6,421
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,198/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$6,242
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,436
−HK$197/mo
Today · 4.125%
HK$6,633
baseline
▲ 0.50% · 4.625%
HK$7,037
+HK$404/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$13,266/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,944
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,130
−HK$189/mo
Today · 4.125%
HK$7,319
baseline
▲ 0.50% · 4.625%
HK$7,705
+HK$386/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$14,638/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,282
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,508
−HK$231/mo
Today · 4.125%
HK$7,739
baseline
▲ 0.50% · 4.625%
HK$8,209
+HK$470/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$15,478/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,101
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,318
−HK$221/mo
Today · 4.125%
HK$8,539
baseline
▲ 0.50% · 4.625%
HK$8,989
+HK$450/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$17,078/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,362
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,654
−HK$296/mo
Today · 4.125%
HK$9,950
baseline
▲ 0.50% · 4.625%
HK$10,555
+HK$605/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,900/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,416
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,695
−HK$283/mo
Today · 4.125%
HK$10,978
baseline
▲ 0.50% · 4.625%
HK$11,557
+HK$579/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,956/mo (50% DSR)
Upfront cash ≈ HK$228K (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).