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$5,205
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,367
−HK$165/mo
Today · 4.125%
HK$5,532
baseline
▲ 0.50% · 4.625%
HK$5,868
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,064/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$5,791
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,946
−HK$157/mo
Today · 4.125%
HK$6,103
baseline
▲ 0.50% · 4.625%
HK$6,425
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,206/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$6,246
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,440
−HK$198/mo
Today · 4.125%
HK$6,638
baseline
▲ 0.50% · 4.625%
HK$7,042
+HK$404/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$13,276/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$6,949
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,135
−HK$189/mo
Today · 4.125%
HK$7,324
baseline
▲ 0.50% · 4.625%
HK$7,710
+HK$386/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$14,648/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$7,287
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,514
−HK$230/mo
Today · 4.125%
HK$7,744
baseline
▲ 0.50% · 4.625%
HK$8,215
+HK$471/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$15,488/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$8,107
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,324
−HK$221/mo
Today · 4.125%
HK$8,545
baseline
▲ 0.50% · 4.625%
HK$8,995
+HK$450/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$17,090/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$9,369
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,661
−HK$296/mo
Today · 4.125%
HK$9,957
baseline
▲ 0.50% · 4.625%
HK$10,563
+HK$606/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,914/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$10,423
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,703
−HK$283/mo
Today · 4.125%
HK$10,986
baseline
▲ 0.50% · 4.625%
HK$11,565
+HK$579/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,972/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).