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$5,205
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,367
−HK$164/mo
Today · 4.125%
HK$5,531
baseline
▲ 0.50% · 4.625%
HK$5,868
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,062/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$5,790
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,945
−HK$158/mo
Today · 4.125%
HK$6,103
baseline
▲ 0.50% · 4.625%
HK$6,425
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,206/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$6,246
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,440
−HK$197/mo
Today · 4.125%
HK$6,637
baseline
▲ 0.50% · 4.625%
HK$7,041
+HK$404/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$13,274/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,948
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,134
−HK$190/mo
Today · 4.125%
HK$7,324
baseline
▲ 0.50% · 4.625%
HK$7,710
+HK$386/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$14,648/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,286
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,513
−HK$230/mo
Today · 4.125%
HK$7,743
baseline
▲ 0.50% · 4.625%
HK$8,215
+HK$472/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$15,486/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,106
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,324
−HK$220/mo
Today · 4.125%
HK$8,544
baseline
▲ 0.50% · 4.625%
HK$8,994
+HK$450/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$17,088/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,368
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,660
−HK$296/mo
Today · 4.125%
HK$9,956
baseline
▲ 0.50% · 4.625%
HK$10,562
+HK$606/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,912/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,422
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,702
−HK$283/mo
Today · 4.125%
HK$10,985
baseline
▲ 0.50% · 4.625%
HK$11,564
+HK$579/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,970/mo (50% DSR)
Upfront cash ≈ HK$228K (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).