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$5,190
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,352
−HK$164/mo
Today · 4.125%
HK$5,516
baseline
▲ 0.50% · 4.625%
HK$5,852
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,032/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$5,774
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,929
−HK$157/mo
Today · 4.125%
HK$6,086
baseline
▲ 0.50% · 4.625%
HK$6,407
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,172/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$6,229
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,422
−HK$197/mo
Today · 4.125%
HK$6,619
baseline
▲ 0.50% · 4.625%
HK$7,022
+HK$403/mo
Deposit HK$911K · loan HK$1.37M · min. income ≈ HK$13,238/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,929
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,115
−HK$189/mo
Today · 4.125%
HK$7,304
baseline
▲ 0.50% · 4.625%
HK$7,689
+HK$385/mo
Deposit HK$911K · loan HK$1.37M · min. income ≈ HK$14,608/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,267
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,493
−HK$229/mo
Today · 4.125%
HK$7,722
baseline
▲ 0.50% · 4.625%
HK$8,192
+HK$470/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$15,444/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,084
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,301
−HK$220/mo
Today · 4.125%
HK$8,521
baseline
▲ 0.50% · 4.625%
HK$8,970
+HK$449/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$17,042/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,343
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,633
−HK$296/mo
Today · 4.125%
HK$9,929
baseline
▲ 0.50% · 4.625%
HK$10,533
+HK$604/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,858/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$10,394
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,673
−HK$282/mo
Today · 4.125%
HK$10,955
baseline
▲ 0.50% · 4.625%
HK$11,533
+HK$578/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,910/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).