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$5,210
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,372
−HK$165/mo
Today · 4.125%
HK$5,537
baseline
▲ 0.50% · 4.625%
HK$5,874
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,074/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$5,797
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,952
−HK$158/mo
Today · 4.125%
HK$6,110
baseline
▲ 0.50% · 4.625%
HK$6,432
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,220/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$6,252
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,447
−HK$198/mo
Today · 4.125%
HK$6,645
baseline
▲ 0.50% · 4.625%
HK$7,049
+HK$404/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$13,290/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,956
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,142
−HK$190/mo
Today · 4.125%
HK$7,332
baseline
▲ 0.50% · 4.625%
HK$7,718
+HK$386/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$14,664/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,295
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,521
−HK$231/mo
Today · 4.125%
HK$7,752
baseline
▲ 0.50% · 4.625%
HK$8,224
+HK$472/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$15,504/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,115
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,333
−HK$221/mo
Today · 4.125%
HK$8,554
baseline
▲ 0.50% · 4.625%
HK$9,004
+HK$450/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$17,108/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,379
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,670
−HK$297/mo
Today · 4.125%
HK$9,967
baseline
▲ 0.50% · 4.625%
HK$10,573
+HK$606/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,934/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$10,434
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,714
−HK$283/mo
Today · 4.125%
HK$10,997
baseline
▲ 0.50% · 4.625%
HK$11,577
+HK$580/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$21,994/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).