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$5,274
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,438
−HK$167/mo
Today · 4.125%
HK$5,605
baseline
▲ 0.50% · 4.625%
HK$5,946
+HK$341/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,210/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,867
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,025
−HK$159/mo
Today · 4.125%
HK$6,184
baseline
▲ 0.50% · 4.625%
HK$6,510
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,368/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,329
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,526
−HK$200/mo
Today · 4.125%
HK$6,726
baseline
▲ 0.50% · 4.625%
HK$7,135
+HK$409/mo
Deposit HK$925K · loan HK$1.39M · min. income ≈ HK$13,452/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,041
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,230
−HK$191/mo
Today · 4.125%
HK$7,421
baseline
▲ 0.50% · 4.625%
HK$7,812
+HK$391/mo
Deposit HK$925K · loan HK$1.39M · min. income ≈ HK$14,842/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,384
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,613
−HK$234/mo
Today · 4.125%
HK$7,847
baseline
▲ 0.50% · 4.625%
HK$8,324
+HK$477/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$15,694/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,214
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,434
−HK$224/mo
Today · 4.125%
HK$8,658
baseline
▲ 0.50% · 4.625%
HK$9,114
+HK$456/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$17,316/mo (50% DSR)
Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,493
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,788
−HK$301/mo
Today · 4.125%
HK$10,089
baseline
▲ 0.50% · 4.625%
HK$10,702
+HK$613/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,178/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,561
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,844
−HK$288/mo
Today · 4.125%
HK$11,132
baseline
▲ 0.50% · 4.625%
HK$11,718
+HK$586/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,264/mo (50% DSR)
Upfront cash ≈ HK$231K (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).