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$5,200
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,361
−HK$165/mo
Today · 4.125%
HK$5,526
baseline
▲ 0.50% · 4.625%
HK$5,862
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,052/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$5,785
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,940
−HK$157/mo
Today · 4.125%
HK$6,097
baseline
▲ 0.50% · 4.625%
HK$6,418
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,194/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$6,240
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,434
−HK$197/mo
Today · 4.125%
HK$6,631
baseline
▲ 0.50% · 4.625%
HK$7,034
+HK$403/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$13,262/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,941
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,128
−HK$188/mo
Today · 4.125%
HK$7,316
baseline
▲ 0.50% · 4.625%
HK$7,702
+HK$386/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$14,632/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,279
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,506
−HK$230/mo
Today · 4.125%
HK$7,736
baseline
▲ 0.50% · 4.625%
HK$8,207
+HK$471/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$15,472/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,098
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,316
−HK$220/mo
Today · 4.125%
HK$8,536
baseline
▲ 0.50% · 4.625%
HK$8,986
+HK$450/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$17,072/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,359
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,650
−HK$296/mo
Today · 4.125%
HK$9,946
baseline
▲ 0.50% · 4.625%
HK$10,551
+HK$605/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,892/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$10,412
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,691
−HK$284/mo
Today · 4.125%
HK$10,975
baseline
▲ 0.50% · 4.625%
HK$11,553
+HK$578/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,950/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).