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$5,162
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,322
−HK$163/mo
Today · 4.125%
HK$5,485
baseline
▲ 0.50% · 4.625%
HK$5,819
+HK$334/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,970/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$5,742
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,896
−HK$157/mo
Today · 4.125%
HK$6,053
baseline
▲ 0.50% · 4.625%
HK$6,372
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,106/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$6,194
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,387
−HK$196/mo
Today · 4.125%
HK$6,583
baseline
▲ 0.50% · 4.625%
HK$6,983
+HK$400/mo
Deposit HK$905K · loan HK$1.36M · min. income ≈ HK$13,166/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,891
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,076
−HK$187/mo
Today · 4.125%
HK$7,263
baseline
▲ 0.50% · 4.625%
HK$7,646
+HK$383/mo
Deposit HK$905K · loan HK$1.36M · min. income ≈ HK$14,526/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,226
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,451
−HK$229/mo
Today · 4.125%
HK$7,680
baseline
▲ 0.50% · 4.625%
HK$8,147
+HK$467/mo
Deposit HK$679K · loan HK$1.58M · min. income ≈ HK$15,360/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,039
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,255
−HK$219/mo
Today · 4.125%
HK$8,474
baseline
▲ 0.50% · 4.625%
HK$8,920
+HK$446/mo
Deposit HK$679K · loan HK$1.58M · min. income ≈ HK$16,948/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,291
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,580
−HK$294/mo
Today · 4.125%
HK$9,874
baseline
▲ 0.50% · 4.625%
HK$10,475
+HK$601/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$19,748/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,336
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,614
−HK$281/mo
Today · 4.125%
HK$10,895
baseline
▲ 0.50% · 4.625%
HK$11,469
+HK$574/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$21,790/mo (50% DSR)
Upfront cash ≈ HK$226K (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).