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$5,229
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,392
−HK$165/mo
Today · 4.125%
HK$5,557
baseline
▲ 0.50% · 4.625%
HK$5,895
+HK$338/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,114/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$5,817
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,973
−HK$158/mo
Today · 4.125%
HK$6,131
baseline
▲ 0.50% · 4.625%
HK$6,455
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,262/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$6,275
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,470
−HK$198/mo
Today · 4.125%
HK$6,668
baseline
▲ 0.50% · 4.625%
HK$7,074
+HK$406/mo
Deposit HK$917K · loan HK$1.38M · min. income ≈ HK$13,336/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,981
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,168
−HK$190/mo
Today · 4.125%
HK$7,358
baseline
▲ 0.50% · 4.625%
HK$7,746
+HK$388/mo
Deposit HK$917K · loan HK$1.38M · min. income ≈ HK$14,716/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,321
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,548
−HK$232/mo
Today · 4.125%
HK$7,780
baseline
▲ 0.50% · 4.625%
HK$8,253
+HK$473/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$15,560/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,144
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,362
−HK$222/mo
Today · 4.125%
HK$8,584
baseline
▲ 0.50% · 4.625%
HK$9,036
+HK$452/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$17,168/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,412
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,705
−HK$297/mo
Today · 4.125%
HK$10,002
baseline
▲ 0.50% · 4.625%
HK$10,611
+HK$609/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$20,004/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,471
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,752
−HK$285/mo
Today · 4.125%
HK$11,037
baseline
▲ 0.50% · 4.625%
HK$11,618
+HK$581/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,074/mo (50% DSR)
Upfront cash ≈ HK$229K (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).