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$5,143
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,303
−HK$163/mo
Today · 4.125%
HK$5,466
baseline
▲ 0.50% · 4.625%
HK$5,798
+HK$332/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,932/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$5,722
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,875
−HK$156/mo
Today · 4.125%
HK$6,031
baseline
▲ 0.50% · 4.625%
HK$6,349
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,062/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$6,172
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,364
−HK$195/mo
Today · 4.125%
HK$6,559
baseline
▲ 0.50% · 4.625%
HK$6,958
+HK$399/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$13,118/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,866
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,050
−HK$187/mo
Today · 4.125%
HK$7,237
baseline
▲ 0.50% · 4.625%
HK$7,619
+HK$382/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$14,474/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,201
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,425
−HK$227/mo
Today · 4.125%
HK$7,652
baseline
▲ 0.50% · 4.625%
HK$8,118
+HK$466/mo
Deposit HK$677K · loan HK$1.58M · min. income ≈ HK$15,304/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,011
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,226
−HK$218/mo
Today · 4.125%
HK$8,444
baseline
▲ 0.50% · 4.625%
HK$8,889
+HK$445/mo
Deposit HK$677K · loan HK$1.58M · min. income ≈ HK$16,888/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,258
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,546
−HK$293/mo
Today · 4.125%
HK$9,839
baseline
▲ 0.50% · 4.625%
HK$10,437
+HK$598/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$19,678/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$10,299
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,576
−HK$280/mo
Today · 4.125%
HK$10,856
baseline
▲ 0.50% · 4.625%
HK$11,428
+HK$572/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$21,712/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).