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$5,213
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,375
−HK$164/mo
Today · 4.125%
HK$5,539
baseline
▲ 0.50% · 4.625%
HK$5,877
+HK$338/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,078/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$5,799
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,954
−HK$158/mo
Today · 4.125%
HK$6,112
baseline
▲ 0.50% · 4.625%
HK$6,434
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,224/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$6,255
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,450
−HK$197/mo
Today · 4.125%
HK$6,647
baseline
▲ 0.50% · 4.625%
HK$7,052
+HK$405/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$13,294/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,959
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,145
−HK$190/mo
Today · 4.125%
HK$7,335
baseline
▲ 0.50% · 4.625%
HK$7,721
+HK$386/mo
Deposit HK$914K · loan HK$1.37M · min. income ≈ HK$14,670/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,298
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,525
−HK$230/mo
Today · 4.125%
HK$7,755
baseline
▲ 0.50% · 4.625%
HK$8,227
+HK$472/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$15,510/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,119
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,336
−HK$221/mo
Today · 4.125%
HK$8,557
baseline
▲ 0.50% · 4.625%
HK$9,008
+HK$451/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$17,114/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,383
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,675
−HK$296/mo
Today · 4.125%
HK$9,971
baseline
▲ 0.50% · 4.625%
HK$10,578
+HK$607/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,942/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$10,438
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,718
−HK$284/mo
Today · 4.125%
HK$11,002
baseline
▲ 0.50% · 4.625%
HK$11,582
+HK$580/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,004/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).