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$5,300
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,465
−HK$168/mo
Today · 4.125%
HK$5,633
baseline
▲ 0.50% · 4.625%
HK$5,975
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,266/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,897
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,055
−HK$160/mo
Today · 4.125%
HK$6,215
baseline
▲ 0.50% · 4.625%
HK$6,543
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,430/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,360
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,558
−HK$201/mo
Today · 4.125%
HK$6,759
baseline
▲ 0.50% · 4.625%
HK$7,171
+HK$412/mo
Deposit HK$930K · loan HK$1.39M · min. income ≈ HK$13,518/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,076
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,266
−HK$192/mo
Today · 4.125%
HK$7,458
baseline
▲ 0.50% · 4.625%
HK$7,851
+HK$393/mo
Deposit HK$930K · loan HK$1.39M · min. income ≈ HK$14,916/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,420
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,651
−HK$235/mo
Today · 4.125%
HK$7,886
baseline
▲ 0.50% · 4.625%
HK$8,366
+HK$480/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$15,772/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,255
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,477
−HK$224/mo
Today · 4.125%
HK$8,701
baseline
▲ 0.50% · 4.625%
HK$9,160
+HK$459/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$17,402/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,541
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,837
−HK$302/mo
Today · 4.125%
HK$10,139
baseline
▲ 0.50% · 4.625%
HK$10,756
+HK$617/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,278/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,614
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,899
−HK$288/mo
Today · 4.125%
HK$11,187
baseline
▲ 0.50% · 4.625%
HK$11,777
+HK$590/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,374/mo (50% DSR)
Upfront cash ≈ HK$233K (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).