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$5,249
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,412
−HK$166/mo
Today · 4.125%
HK$5,578
baseline
▲ 0.50% · 4.625%
HK$5,917
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,156/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,839
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,996
−HK$159/mo
Today · 4.125%
HK$6,155
baseline
▲ 0.50% · 4.625%
HK$6,479
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,310/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,298
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,494
−HK$199/mo
Today · 4.125%
HK$6,693
baseline
▲ 0.50% · 4.625%
HK$7,101
+HK$408/mo
Deposit HK$921K · loan HK$1.38M · min. income ≈ HK$13,386/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,007
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,195
−HK$191/mo
Today · 4.125%
HK$7,386
baseline
▲ 0.50% · 4.625%
HK$7,775
+HK$389/mo
Deposit HK$921K · loan HK$1.38M · min. income ≈ HK$14,772/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,348
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,577
−HK$232/mo
Today · 4.125%
HK$7,809
baseline
▲ 0.50% · 4.625%
HK$8,284
+HK$475/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$15,618/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,175
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,394
−HK$223/mo
Today · 4.125%
HK$8,617
baseline
▲ 0.50% · 4.625%
HK$9,071
+HK$454/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$17,234/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,448
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,742
−HK$298/mo
Today · 4.125%
HK$10,040
baseline
▲ 0.50% · 4.625%
HK$10,651
+HK$611/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,080/mo (50% DSR)
Upfront cash ≈ HK$230K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,511
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,792
−HK$286/mo
Today · 4.125%
HK$11,078
baseline
▲ 0.50% · 4.625%
HK$11,662
+HK$584/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,156/mo (50% DSR)
Upfront cash ≈ HK$230K (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).