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$5,298
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,463
−HK$168/mo
Today · 4.125%
HK$5,631
baseline
▲ 0.50% · 4.625%
HK$5,973
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,262/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,894
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,053
−HK$160/mo
Today · 4.125%
HK$6,213
baseline
▲ 0.50% · 4.625%
HK$6,540
+HK$327/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,426/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,358
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,556
−HK$201/mo
Today · 4.125%
HK$6,757
baseline
▲ 0.50% · 4.625%
HK$7,168
+HK$411/mo
Deposit HK$929K · loan HK$1.39M · min. income ≈ HK$13,514/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,073
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,263
−HK$192/mo
Today · 4.125%
HK$7,455
baseline
▲ 0.50% · 4.625%
HK$7,848
+HK$393/mo
Deposit HK$929K · loan HK$1.39M · min. income ≈ HK$14,910/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,418
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,649
−HK$234/mo
Today · 4.125%
HK$7,883
baseline
▲ 0.50% · 4.625%
HK$8,363
+HK$480/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$15,766/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,252
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,474
−HK$224/mo
Today · 4.125%
HK$8,698
baseline
▲ 0.50% · 4.625%
HK$9,157
+HK$459/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$17,396/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,537
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,834
−HK$301/mo
Today · 4.125%
HK$10,135
baseline
▲ 0.50% · 4.625%
HK$10,752
+HK$617/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,270/mo (50% DSR)
Upfront cash ≈ HK$232K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,610
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,895
−HK$288/mo
Today · 4.125%
HK$11,183
baseline
▲ 0.50% · 4.625%
HK$11,773
+HK$590/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,366/mo (50% DSR)
Upfront cash ≈ HK$232K (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).