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$5,207
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,369
−HK$165/mo
Today · 4.125%
HK$5,534
baseline
▲ 0.50% · 4.625%
HK$5,871
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,068/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$5,793
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,948
−HK$158/mo
Today · 4.125%
HK$6,106
baseline
▲ 0.50% · 4.625%
HK$6,428
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,212/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$6,249
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,443
−HK$198/mo
Today · 4.125%
HK$6,641
baseline
▲ 0.50% · 4.625%
HK$7,045
+HK$404/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$13,282/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,952
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,138
−HK$189/mo
Today · 4.125%
HK$7,327
baseline
▲ 0.50% · 4.625%
HK$7,714
+HK$387/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$14,654/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,290
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,517
−HK$230/mo
Today · 4.125%
HK$7,747
baseline
▲ 0.50% · 4.625%
HK$8,219
+HK$472/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$15,494/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$8,110
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,328
−HK$221/mo
Today · 4.125%
HK$8,549
baseline
▲ 0.50% · 4.625%
HK$8,999
+HK$450/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$17,098/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$9,373
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,665
−HK$296/mo
Today · 4.125%
HK$9,961
baseline
▲ 0.50% · 4.625%
HK$10,567
+HK$606/mo
Deposit HK$228K · loan HK$2.06M · min. income ≈ HK$19,922/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$10,428
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,707
−HK$284/mo
Today · 4.125%
HK$10,991
baseline
▲ 0.50% · 4.625%
HK$11,570
+HK$579/mo
Deposit HK$228K · loan HK$2.06M · min. income ≈ HK$21,982/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).