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$5,221
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,384
−HK$165/mo
Today · 4.125%
HK$5,549
baseline
▲ 0.50% · 4.625%
HK$5,886
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,098/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$5,809
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,964
−HK$158/mo
Today · 4.125%
HK$6,122
baseline
▲ 0.50% · 4.625%
HK$6,445
+HK$323/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,244/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$6,265
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,460
−HK$198/mo
Today · 4.125%
HK$6,658
baseline
▲ 0.50% · 4.625%
HK$7,064
+HK$406/mo
Deposit HK$916K · loan HK$1.37M · min. income ≈ HK$13,316/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,970
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,157
−HK$190/mo
Today · 4.125%
HK$7,347
baseline
▲ 0.50% · 4.625%
HK$7,734
+HK$387/mo
Deposit HK$916K · loan HK$1.37M · min. income ≈ HK$14,694/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,310
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,537
−HK$231/mo
Today · 4.125%
HK$7,768
baseline
▲ 0.50% · 4.625%
HK$8,241
+HK$473/mo
Deposit HK$687K · loan HK$1.60M · min. income ≈ HK$15,536/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$8,132
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,350
−HK$221/mo
Today · 4.125%
HK$8,571
baseline
▲ 0.50% · 4.625%
HK$9,023
+HK$452/mo
Deposit HK$687K · loan HK$1.60M · min. income ≈ HK$17,142/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$9,398
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,691
−HK$297/mo
Today · 4.125%
HK$9,988
baseline
▲ 0.50% · 4.625%
HK$10,595
+HK$607/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,976/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$10,455
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,736
−HK$284/mo
Today · 4.125%
HK$11,020
baseline
▲ 0.50% · 4.625%
HK$11,601
+HK$581/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,040/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).