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$5,204
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,365
−HK$165/mo
Today · 4.125%
HK$5,530
baseline
▲ 0.50% · 4.625%
HK$5,866
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,060/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$5,789
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,944
−HK$158/mo
Today · 4.125%
HK$6,102
baseline
▲ 0.50% · 4.625%
HK$6,423
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,204/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$6,244
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,439
−HK$197/mo
Today · 4.125%
HK$6,636
baseline
▲ 0.50% · 4.625%
HK$7,040
+HK$404/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$13,272/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$6,947
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,133
−HK$189/mo
Today · 4.125%
HK$7,322
baseline
▲ 0.50% · 4.625%
HK$7,708
+HK$386/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$14,644/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$7,285
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,512
−HK$230/mo
Today · 4.125%
HK$7,742
baseline
▲ 0.50% · 4.625%
HK$8,213
+HK$471/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$15,484/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,105
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,322
−HK$220/mo
Today · 4.125%
HK$8,542
baseline
▲ 0.50% · 4.625%
HK$8,993
+HK$451/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$17,084/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,367
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,658
−HK$296/mo
Today · 4.125%
HK$9,954
baseline
▲ 0.50% · 4.625%
HK$10,560
+HK$606/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,908/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$10,420
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,700
−HK$283/mo
Today · 4.125%
HK$10,983
baseline
▲ 0.50% · 4.625%
HK$11,562
+HK$579/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,966/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).