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$5,172
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,333
−HK$163/mo
Today · 4.125%
HK$5,496
baseline
▲ 0.50% · 4.625%
HK$5,831
+HK$335/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,992/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,754
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,908
−HK$157/mo
Today · 4.125%
HK$6,065
baseline
▲ 0.50% · 4.625%
HK$6,384
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,130/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,207
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,400
−HK$196/mo
Today · 4.125%
HK$6,596
baseline
▲ 0.50% · 4.625%
HK$6,997
+HK$401/mo
Deposit HK$907K · loan HK$1.36M · min. income ≈ HK$13,192/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,905
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,090
−HK$188/mo
Today · 4.125%
HK$7,278
baseline
▲ 0.50% · 4.625%
HK$7,661
+HK$383/mo
Deposit HK$907K · loan HK$1.36M · min. income ≈ HK$14,556/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,241
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,466
−HK$229/mo
Today · 4.125%
HK$7,695
baseline
▲ 0.50% · 4.625%
HK$8,163
+HK$468/mo
Deposit HK$680K · loan HK$1.59M · min. income ≈ HK$15,390/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,055
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,272
−HK$219/mo
Today · 4.125%
HK$8,491
baseline
▲ 0.50% · 4.625%
HK$8,938
+HK$447/mo
Deposit HK$680K · loan HK$1.59M · min. income ≈ HK$16,982/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,310
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,599
−HK$295/mo
Today · 4.125%
HK$9,894
baseline
▲ 0.50% · 4.625%
HK$10,496
+HK$602/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,788/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,357
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,635
−HK$282/mo
Today · 4.125%
HK$10,917
baseline
▲ 0.50% · 4.625%
HK$11,492
+HK$575/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,834/mo (50% DSR)
Upfront cash ≈ HK$227K (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).