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$5,193
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,355
−HK$164/mo
Today · 4.125%
HK$5,519
baseline
▲ 0.50% · 4.625%
HK$5,855
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,038/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$5,777
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,932
−HK$158/mo
Today · 4.125%
HK$6,090
baseline
▲ 0.50% · 4.625%
HK$6,411
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,180/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$6,232
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,426
−HK$197/mo
Today · 4.125%
HK$6,623
baseline
▲ 0.50% · 4.625%
HK$7,026
+HK$403/mo
Deposit HK$911K · loan HK$1.37M · min. income ≈ HK$13,246/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$6,933
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,119
−HK$188/mo
Today · 4.125%
HK$7,307
baseline
▲ 0.50% · 4.625%
HK$7,693
+HK$386/mo
Deposit HK$911K · loan HK$1.37M · min. income ≈ HK$14,614/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$7,271
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,497
−HK$229/mo
Today · 4.125%
HK$7,726
baseline
▲ 0.50% · 4.625%
HK$8,197
+HK$471/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$15,452/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$8,088
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,305
−HK$220/mo
Today · 4.125%
HK$8,525
baseline
▲ 0.50% · 4.625%
HK$8,975
+HK$450/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$17,050/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$9,348
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,639
−HK$295/mo
Today · 4.125%
HK$9,934
baseline
▲ 0.50% · 4.625%
HK$10,539
+HK$605/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,868/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$10,399
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,678
−HK$283/mo
Today · 4.125%
HK$10,961
baseline
▲ 0.50% · 4.625%
HK$11,539
+HK$578/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,922/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).