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$5,305
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,470
−HK$167/mo
Today · 4.125%
HK$5,637
baseline
▲ 0.50% · 4.625%
HK$5,980
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,274/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$5,902
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,060
−HK$160/mo
Today · 4.125%
HK$6,220
baseline
▲ 0.50% · 4.625%
HK$6,548
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,440/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$6,366
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,564
−HK$201/mo
Today · 4.125%
HK$6,765
baseline
▲ 0.50% · 4.625%
HK$7,177
+HK$412/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$13,530/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,082
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,272
−HK$192/mo
Today · 4.125%
HK$7,464
baseline
▲ 0.50% · 4.625%
HK$7,858
+HK$394/mo
Deposit HK$931K · loan HK$1.40M · min. income ≈ HK$14,928/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,427
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,658
−HK$234/mo
Today · 4.125%
HK$7,892
baseline
▲ 0.50% · 4.625%
HK$8,373
+HK$481/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$15,784/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,262
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,484
−HK$225/mo
Today · 4.125%
HK$8,709
baseline
▲ 0.50% · 4.625%
HK$9,168
+HK$459/mo
Deposit HK$698K · loan HK$1.63M · min. income ≈ HK$17,418/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,549
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,846
−HK$301/mo
Today · 4.125%
HK$10,147
baseline
▲ 0.50% · 4.625%
HK$10,765
+HK$618/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$20,294/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$10,623
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,908
−HK$289/mo
Today · 4.125%
HK$11,197
baseline
▲ 0.50% · 4.625%
HK$11,787
+HK$590/mo
Deposit HK$233K · loan HK$2.09M · min. income ≈ HK$22,394/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).