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$5,256
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,419
−HK$166/mo
Today · 4.125%
HK$5,585
baseline
▲ 0.50% · 4.625%
HK$5,925
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,170/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$5,847
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,004
−HK$159/mo
Today · 4.125%
HK$6,163
baseline
▲ 0.50% · 4.625%
HK$6,488
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,326/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$6,307
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,503
−HK$199/mo
Today · 4.125%
HK$6,702
baseline
▲ 0.50% · 4.625%
HK$7,110
+HK$408/mo
Deposit HK$922K · loan HK$1.38M · min. income ≈ HK$13,404/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,016
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,204
−HK$191/mo
Today · 4.125%
HK$7,395
baseline
▲ 0.50% · 4.625%
HK$7,785
+HK$390/mo
Deposit HK$922K · loan HK$1.38M · min. income ≈ HK$14,790/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,358
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,587
−HK$232/mo
Today · 4.125%
HK$7,819
baseline
▲ 0.50% · 4.625%
HK$8,295
+HK$476/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$15,638/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,186
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,405
−HK$223/mo
Today · 4.125%
HK$8,628
baseline
▲ 0.50% · 4.625%
HK$9,083
+HK$455/mo
Deposit HK$691K · loan HK$1.61M · min. income ≈ HK$17,256/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,460
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,754
−HK$299/mo
Today · 4.125%
HK$10,053
baseline
▲ 0.50% · 4.625%
HK$10,665
+HK$612/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,106/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$10,524
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,807
−HK$286/mo
Today · 4.125%
HK$11,093
baseline
▲ 0.50% · 4.625%
HK$11,678
+HK$585/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,186/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).