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$5,228
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,390
−HK$166/mo
Today · 4.125%
HK$5,556
baseline
▲ 0.50% · 4.625%
HK$5,894
+HK$338/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,112/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$5,816
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,972
−HK$158/mo
Today · 4.125%
HK$6,130
baseline
▲ 0.50% · 4.625%
HK$6,453
+HK$323/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,260/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$6,273
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,468
−HK$199/mo
Today · 4.125%
HK$6,667
baseline
▲ 0.50% · 4.625%
HK$7,072
+HK$405/mo
Deposit HK$917K · loan HK$1.38M · min. income ≈ HK$13,334/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$6,979
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,166
−HK$190/mo
Today · 4.125%
HK$7,356
baseline
▲ 0.50% · 4.625%
HK$7,744
+HK$388/mo
Deposit HK$917K · loan HK$1.38M · min. income ≈ HK$14,712/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$7,319
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,546
−HK$232/mo
Today · 4.125%
HK$7,778
baseline
▲ 0.50% · 4.625%
HK$8,251
+HK$473/mo
Deposit HK$688K · loan HK$1.60M · min. income ≈ HK$15,556/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$8,142
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,360
−HK$222/mo
Today · 4.125%
HK$8,582
baseline
▲ 0.50% · 4.625%
HK$9,034
+HK$452/mo
Deposit HK$688K · loan HK$1.60M · min. income ≈ HK$17,164/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$9,410
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,703
−HK$297/mo
Today · 4.125%
HK$10,000
baseline
▲ 0.50% · 4.625%
HK$10,608
+HK$608/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$20,000/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$10,468
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,749
−HK$285/mo
Today · 4.125%
HK$11,034
baseline
▲ 0.50% · 4.625%
HK$11,616
+HK$582/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,068/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).