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$5,182
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,344
−HK$163/mo
Today · 4.125%
HK$5,507
baseline
▲ 0.50% · 4.625%
HK$5,843
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,014/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$5,765
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,920
−HK$157/mo
Today · 4.125%
HK$6,077
baseline
▲ 0.50% · 4.625%
HK$6,397
+HK$320/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,154/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$6,219
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,412
−HK$197/mo
Today · 4.125%
HK$6,609
baseline
▲ 0.50% · 4.625%
HK$7,011
+HK$402/mo
Deposit HK$909K · loan HK$1.36M · min. income ≈ HK$13,218/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,919
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,104
−HK$188/mo
Today · 4.125%
HK$7,292
baseline
▲ 0.50% · 4.625%
HK$7,677
+HK$385/mo
Deposit HK$909K · loan HK$1.36M · min. income ≈ HK$14,584/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,255
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,481
−HK$229/mo
Today · 4.125%
HK$7,710
baseline
▲ 0.50% · 4.625%
HK$8,180
+HK$470/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$15,420/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,072
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,288
−HK$220/mo
Today · 4.125%
HK$8,508
baseline
▲ 0.50% · 4.625%
HK$8,956
+HK$448/mo
Deposit HK$682K · loan HK$1.59M · min. income ≈ HK$17,016/mo (50% DSR)
Upfront cash ≈ HK$682K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,328
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,619
−HK$294/mo
Today · 4.125%
HK$9,913
baseline
▲ 0.50% · 4.625%
HK$10,517
+HK$604/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$19,826/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$10,378
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,656
−HK$282/mo
Today · 4.125%
HK$10,938
baseline
▲ 0.50% · 4.625%
HK$11,515
+HK$577/mo
Deposit HK$227K · loan HK$2.05M · min. income ≈ HK$21,876/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).