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$5,199
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,361
−HK$164/mo
Today · 4.125%
HK$5,525
baseline
▲ 0.50% · 4.625%
HK$5,861
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,050/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$5,784
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,939
−HK$157/mo
Today · 4.125%
HK$6,096
baseline
▲ 0.50% · 4.625%
HK$6,417
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,192/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$6,239
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,433
−HK$197/mo
Today · 4.125%
HK$6,630
baseline
▲ 0.50% · 4.625%
HK$7,033
+HK$403/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$13,260/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,940
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,127
−HK$188/mo
Today · 4.125%
HK$7,315
baseline
▲ 0.50% · 4.625%
HK$7,701
+HK$386/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$14,630/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,278
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,505
−HK$230/mo
Today · 4.125%
HK$7,735
baseline
▲ 0.50% · 4.625%
HK$8,205
+HK$470/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$15,470/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$8,097
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,314
−HK$221/mo
Today · 4.125%
HK$8,535
baseline
▲ 0.50% · 4.625%
HK$8,984
+HK$449/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$17,070/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$9,358
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,649
−HK$296/mo
Today · 4.125%
HK$9,945
baseline
▲ 0.50% · 4.625%
HK$10,550
+HK$605/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,890/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$10,411
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,690
−HK$283/mo
Today · 4.125%
HK$10,973
baseline
▲ 0.50% · 4.625%
HK$11,551
+HK$578/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,946/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).