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$5,177
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,338
−HK$164/mo
Today · 4.125%
HK$5,502
baseline
▲ 0.50% · 4.625%
HK$5,837
+HK$335/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,004/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$5,760
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,914
−HK$157/mo
Today · 4.125%
HK$6,071
baseline
▲ 0.50% · 4.625%
HK$6,391
+HK$320/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,142/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$6,213
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,406
−HK$196/mo
Today · 4.125%
HK$6,602
baseline
▲ 0.50% · 4.625%
HK$7,004
+HK$402/mo
Deposit HK$908K · loan HK$1.36M · min. income ≈ HK$13,204/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,912
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,097
−HK$188/mo
Today · 4.125%
HK$7,285
baseline
▲ 0.50% · 4.625%
HK$7,669
+HK$384/mo
Deposit HK$908K · loan HK$1.36M · min. income ≈ HK$14,570/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,248
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,474
−HK$229/mo
Today · 4.125%
HK$7,703
baseline
▲ 0.50% · 4.625%
HK$8,171
+HK$468/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$15,406/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,063
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,280
−HK$219/mo
Today · 4.125%
HK$8,499
baseline
▲ 0.50% · 4.625%
HK$8,947
+HK$448/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$16,998/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,319
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,609
−HK$294/mo
Today · 4.125%
HK$9,903
baseline
▲ 0.50% · 4.625%
HK$10,506
+HK$603/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,806/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,367
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,645
−HK$282/mo
Today · 4.125%
HK$10,927
baseline
▲ 0.50% · 4.625%
HK$11,503
+HK$576/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,854/mo (50% DSR)
Upfront cash ≈ HK$227K (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).