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$5,145
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,305
−HK$163/mo
Today · 4.125%
HK$5,468
baseline
▲ 0.50% · 4.625%
HK$5,800
+HK$332/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,936/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$5,724
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,877
−HK$156/mo
Today · 4.125%
HK$6,033
baseline
▲ 0.50% · 4.625%
HK$6,351
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,066/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$6,174
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,366
−HK$195/mo
Today · 4.125%
HK$6,561
baseline
▲ 0.50% · 4.625%
HK$6,960
+HK$399/mo
Deposit HK$903K · loan HK$1.35M · min. income ≈ HK$13,122/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,869
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,053
−HK$187/mo
Today · 4.125%
HK$7,240
baseline
▲ 0.50% · 4.625%
HK$7,621
+HK$381/mo
Deposit HK$903K · loan HK$1.35M · min. income ≈ HK$14,480/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,203
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,427
−HK$228/mo
Today · 4.125%
HK$7,655
baseline
▲ 0.50% · 4.625%
HK$8,121
+HK$466/mo
Deposit HK$677K · loan HK$1.58M · min. income ≈ HK$15,310/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$8,013
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,228
−HK$218/mo
Today · 4.125%
HK$8,446
baseline
▲ 0.50% · 4.625%
HK$8,891
+HK$445/mo
Deposit HK$677K · loan HK$1.58M · min. income ≈ HK$16,892/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$9,261
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,549
−HK$293/mo
Today · 4.125%
HK$9,842
baseline
▲ 0.50% · 4.625%
HK$10,441
+HK$599/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$19,684/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$10,303
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,579
−HK$280/mo
Today · 4.125%
HK$10,859
baseline
▲ 0.50% · 4.625%
HK$11,432
+HK$573/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$21,718/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).