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$5,178
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,339
−HK$164/mo
Today · 4.125%
HK$5,503
baseline
▲ 0.50% · 4.625%
HK$5,838
+HK$335/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,006/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,761
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,915
−HK$157/mo
Today · 4.125%
HK$6,072
baseline
▲ 0.50% · 4.625%
HK$6,392
+HK$320/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,144/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,214
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,407
−HK$197/mo
Today · 4.125%
HK$6,604
baseline
▲ 0.50% · 4.625%
HK$7,006
+HK$402/mo
Deposit HK$908K · loan HK$1.36M · min. income ≈ HK$13,208/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,913
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,098
−HK$189/mo
Today · 4.125%
HK$7,287
baseline
▲ 0.50% · 4.625%
HK$7,671
+HK$384/mo
Deposit HK$908K · loan HK$1.36M · min. income ≈ HK$14,574/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,250
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,475
−HK$229/mo
Today · 4.125%
HK$7,704
baseline
▲ 0.50% · 4.625%
HK$8,173
+HK$469/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$15,408/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$8,065
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,281
−HK$220/mo
Today · 4.125%
HK$8,501
baseline
▲ 0.50% · 4.625%
HK$8,949
+HK$448/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$17,002/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$9,321
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,611
−HK$295/mo
Today · 4.125%
HK$9,906
baseline
▲ 0.50% · 4.625%
HK$10,508
+HK$602/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,812/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$10,370
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,648
−HK$282/mo
Today · 4.125%
HK$10,930
baseline
▲ 0.50% · 4.625%
HK$11,506
+HK$576/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,860/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).