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$5,235
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,398
−HK$165/mo
Today · 4.125%
HK$5,563
baseline
▲ 0.50% · 4.625%
HK$5,902
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,126/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$5,824
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,980
−HK$159/mo
Today · 4.125%
HK$6,139
baseline
▲ 0.50% · 4.625%
HK$6,462
+HK$323/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,278/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$6,282
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,477
−HK$199/mo
Today · 4.125%
HK$6,676
baseline
▲ 0.50% · 4.625%
HK$7,082
+HK$406/mo
Deposit HK$918K · loan HK$1.38M · min. income ≈ HK$13,352/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,989
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,176
−HK$190/mo
Today · 4.125%
HK$7,366
baseline
▲ 0.50% · 4.625%
HK$7,754
+HK$388/mo
Deposit HK$918K · loan HK$1.38M · min. income ≈ HK$14,732/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,329
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,557
−HK$232/mo
Today · 4.125%
HK$7,789
baseline
▲ 0.50% · 4.625%
HK$8,262
+HK$473/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$15,578/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$8,153
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,372
−HK$222/mo
Today · 4.125%
HK$8,594
baseline
▲ 0.50% · 4.625%
HK$9,047
+HK$453/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$17,188/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$9,423
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,716
−HK$298/mo
Today · 4.125%
HK$10,014
baseline
▲ 0.50% · 4.625%
HK$10,623
+HK$609/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,028/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$10,483
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,764
−HK$285/mo
Today · 4.125%
HK$11,049
baseline
▲ 0.50% · 4.625%
HK$11,632
+HK$583/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,098/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).