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$5,287
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,451
−HK$167/mo
Today · 4.125%
HK$5,618
baseline
▲ 0.50% · 4.625%
HK$5,960
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,236/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$5,882
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,039
−HK$160/mo
Today · 4.125%
HK$6,199
baseline
▲ 0.50% · 4.625%
HK$6,526
+HK$327/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,398/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$6,344
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,542
−HK$200/mo
Today · 4.125%
HK$6,742
baseline
▲ 0.50% · 4.625%
HK$7,152
+HK$410/mo
Deposit HK$927K · loan HK$1.39M · min. income ≈ HK$13,484/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,058
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,247
−HK$192/mo
Today · 4.125%
HK$7,439
baseline
▲ 0.50% · 4.625%
HK$7,831
+HK$392/mo
Deposit HK$927K · loan HK$1.39M · min. income ≈ HK$14,878/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,402
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,632
−HK$234/mo
Today · 4.125%
HK$7,866
baseline
▲ 0.50% · 4.625%
HK$8,344
+HK$478/mo
Deposit HK$696K · loan HK$1.62M · min. income ≈ HK$15,732/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,234
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,455
−HK$224/mo
Today · 4.125%
HK$8,679
baseline
▲ 0.50% · 4.625%
HK$9,136
+HK$457/mo
Deposit HK$696K · loan HK$1.62M · min. income ≈ HK$17,358/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,516
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,812
−HK$301/mo
Today · 4.125%
HK$10,113
baseline
▲ 0.50% · 4.625%
HK$10,728
+HK$615/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,226/mo (50% DSR)
Upfront cash ≈ HK$232K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,587
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,871
−HK$288/mo
Today · 4.125%
HK$11,159
baseline
▲ 0.50% · 4.625%
HK$11,747
+HK$588/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,318/mo (50% DSR)
Upfront cash ≈ HK$232K (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).