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$5,230
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,393
−HK$165/mo
Today · 4.125%
HK$5,558
baseline
▲ 0.50% · 4.625%
HK$5,897
+HK$339/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,116/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$5,819
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,975
−HK$158/mo
Today · 4.125%
HK$6,133
baseline
▲ 0.50% · 4.625%
HK$6,456
+HK$323/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,266/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$6,276
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,472
−HK$198/mo
Today · 4.125%
HK$6,670
baseline
▲ 0.50% · 4.625%
HK$7,076
+HK$406/mo
Deposit HK$918K · loan HK$1.38M · min. income ≈ HK$13,340/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,982
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,170
−HK$190/mo
Today · 4.125%
HK$7,360
baseline
▲ 0.50% · 4.625%
HK$7,748
+HK$388/mo
Deposit HK$918K · loan HK$1.38M · min. income ≈ HK$14,720/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,323
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,550
−HK$232/mo
Today · 4.125%
HK$7,782
baseline
▲ 0.50% · 4.625%
HK$8,255
+HK$473/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$15,564/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,146
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,365
−HK$221/mo
Today · 4.125%
HK$8,586
baseline
▲ 0.50% · 4.625%
HK$9,039
+HK$453/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$17,172/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,415
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,708
−HK$297/mo
Today · 4.125%
HK$10,005
baseline
▲ 0.50% · 4.625%
HK$10,614
+HK$609/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$20,010/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,474
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,755
−HK$285/mo
Today · 4.125%
HK$11,040
baseline
▲ 0.50% · 4.625%
HK$11,622
+HK$582/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,080/mo (50% DSR)
Upfront cash ≈ HK$229K (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).