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$5,239
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,402
−HK$165/mo
Today · 4.125%
HK$5,567
baseline
▲ 0.50% · 4.625%
HK$5,906
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,134/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$5,828
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,985
−HK$158/mo
Today · 4.125%
HK$6,143
baseline
▲ 0.50% · 4.625%
HK$6,467
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,286/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$6,287
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,482
−HK$199/mo
Today · 4.125%
HK$6,681
baseline
▲ 0.50% · 4.625%
HK$7,087
+HK$406/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$13,362/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,994
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,181
−HK$191/mo
Today · 4.125%
HK$7,372
baseline
▲ 0.50% · 4.625%
HK$7,760
+HK$388/mo
Deposit HK$919K · loan HK$1.38M · min. income ≈ HK$14,744/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,335
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,563
−HK$231/mo
Today · 4.125%
HK$7,794
baseline
▲ 0.50% · 4.625%
HK$8,269
+HK$475/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$15,588/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,160
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,378
−HK$222/mo
Today · 4.125%
HK$8,600
baseline
▲ 0.50% · 4.625%
HK$9,054
+HK$454/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$17,200/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,430
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,723
−HK$298/mo
Today · 4.125%
HK$10,021
baseline
▲ 0.50% · 4.625%
HK$10,631
+HK$610/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,042/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$10,491
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,772
−HK$286/mo
Today · 4.125%
HK$11,058
baseline
▲ 0.50% · 4.625%
HK$11,641
+HK$583/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,116/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).