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$5,153
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,314
−HK$163/mo
Today · 4.125%
HK$5,477
baseline
▲ 0.50% · 4.625%
HK$5,810
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,954/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$5,733
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,887
−HK$156/mo
Today · 4.125%
HK$6,043
baseline
▲ 0.50% · 4.625%
HK$6,361
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,086/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$6,184
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,376
−HK$196/mo
Today · 4.125%
HK$6,572
baseline
▲ 0.50% · 4.625%
HK$6,972
+HK$400/mo
Deposit HK$904K · loan HK$1.36M · min. income ≈ HK$13,144/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,880
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,064
−HK$187/mo
Today · 4.125%
HK$7,251
baseline
▲ 0.50% · 4.625%
HK$7,634
+HK$383/mo
Deposit HK$904K · loan HK$1.36M · min. income ≈ HK$14,502/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,215
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,439
−HK$228/mo
Today · 4.125%
HK$7,667
baseline
▲ 0.50% · 4.625%
HK$8,134
+HK$467/mo
Deposit HK$678K · loan HK$1.58M · min. income ≈ HK$15,334/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,026
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,242
−HK$218/mo
Today · 4.125%
HK$8,460
baseline
▲ 0.50% · 4.625%
HK$8,906
+HK$446/mo
Deposit HK$678K · loan HK$1.58M · min. income ≈ HK$16,920/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,276
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,565
−HK$293/mo
Today · 4.125%
HK$9,858
baseline
▲ 0.50% · 4.625%
HK$10,458
+HK$600/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$19,716/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$10,320
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,596
−HK$281/mo
Today · 4.125%
HK$10,877
baseline
▲ 0.50% · 4.625%
HK$11,450
+HK$573/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$21,754/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).