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$5,248
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,411
−HK$166/mo
Today · 4.125%
HK$5,577
baseline
▲ 0.50% · 4.625%
HK$5,916
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,154/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,838
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,995
−HK$159/mo
Today · 4.125%
HK$6,154
baseline
▲ 0.50% · 4.625%
HK$6,478
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,308/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,297
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,493
−HK$199/mo
Today · 4.125%
HK$6,692
baseline
▲ 0.50% · 4.625%
HK$7,099
+HK$407/mo
Deposit HK$921K · loan HK$1.38M · min. income ≈ HK$13,384/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,006
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,194
−HK$190/mo
Today · 4.125%
HK$7,384
baseline
▲ 0.50% · 4.625%
HK$7,773
+HK$389/mo
Deposit HK$921K · loan HK$1.38M · min. income ≈ HK$14,768/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,347
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,575
−HK$233/mo
Today · 4.125%
HK$7,808
baseline
▲ 0.50% · 4.625%
HK$8,283
+HK$475/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$15,616/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,173
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,393
−HK$222/mo
Today · 4.125%
HK$8,615
baseline
▲ 0.50% · 4.625%
HK$9,069
+HK$454/mo
Deposit HK$690K · loan HK$1.61M · min. income ≈ HK$17,230/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,446
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,740
−HK$298/mo
Today · 4.125%
HK$10,038
baseline
▲ 0.50% · 4.625%
HK$10,649
+HK$611/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,076/mo (50% DSR)
Upfront cash ≈ HK$230K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,509
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,790
−HK$286/mo
Today · 4.125%
HK$11,076
baseline
▲ 0.50% · 4.625%
HK$11,660
+HK$584/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,152/mo (50% DSR)
Upfront cash ≈ HK$230K (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).