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$5,269
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,433
−HK$166/mo
Today · 4.125%
HK$5,599
baseline
▲ 0.50% · 4.625%
HK$5,940
+HK$341/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,198/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$5,862
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,019
−HK$159/mo
Today · 4.125%
HK$6,178
baseline
▲ 0.50% · 4.625%
HK$6,504
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,356/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$6,323
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,519
−HK$200/mo
Today · 4.125%
HK$6,719
baseline
▲ 0.50% · 4.625%
HK$7,128
+HK$409/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$13,438/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,034
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,223
−HK$191/mo
Today · 4.125%
HK$7,414
baseline
▲ 0.50% · 4.625%
HK$7,805
+HK$391/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$14,828/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,377
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,606
−HK$233/mo
Today · 4.125%
HK$7,839
baseline
▲ 0.50% · 4.625%
HK$8,316
+HK$477/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$15,678/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,206
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,426
−HK$224/mo
Today · 4.125%
HK$8,650
baseline
▲ 0.50% · 4.625%
HK$9,106
+HK$456/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$17,300/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,484
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,779
−HK$300/mo
Today · 4.125%
HK$10,079
baseline
▲ 0.50% · 4.625%
HK$10,692
+HK$613/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,158/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,551
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,834
−HK$287/mo
Today · 4.125%
HK$11,121
baseline
▲ 0.50% · 4.625%
HK$11,707
+HK$586/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,242/mo (50% DSR)
Upfront cash ≈ HK$231K (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).