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$5,192
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,354
−HK$164/mo
Today · 4.125%
HK$5,518
baseline
▲ 0.50% · 4.625%
HK$5,854
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,036/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$5,776
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,931
−HK$157/mo
Today · 4.125%
HK$6,088
baseline
▲ 0.50% · 4.625%
HK$6,409
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,176/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$6,231
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,424
−HK$197/mo
Today · 4.125%
HK$6,621
baseline
▲ 0.50% · 4.625%
HK$7,024
+HK$403/mo
Deposit HK$911K · loan HK$1.37M · min. income ≈ HK$13,242/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$6,932
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,117
−HK$189/mo
Today · 4.125%
HK$7,306
baseline
▲ 0.50% · 4.625%
HK$7,691
+HK$385/mo
Deposit HK$911K · loan HK$1.37M · min. income ≈ HK$14,612/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$7,269
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,495
−HK$230/mo
Today · 4.125%
HK$7,725
baseline
▲ 0.50% · 4.625%
HK$8,195
+HK$470/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$15,450/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$8,087
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,304
−HK$220/mo
Today · 4.125%
HK$8,524
baseline
▲ 0.50% · 4.625%
HK$8,973
+HK$449/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$17,048/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$9,346
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,637
−HK$295/mo
Today · 4.125%
HK$9,932
baseline
▲ 0.50% · 4.625%
HK$10,536
+HK$604/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,864/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$10,397
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,676
−HK$283/mo
Today · 4.125%
HK$10,959
baseline
▲ 0.50% · 4.625%
HK$11,537
+HK$578/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,918/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).