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$5,273
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,437
−HK$167/mo
Today · 4.125%
HK$5,604
baseline
▲ 0.50% · 4.625%
HK$5,945
+HK$341/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,208/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$5,866
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,023
−HK$160/mo
Today · 4.125%
HK$6,183
baseline
▲ 0.50% · 4.625%
HK$6,509
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,366/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$6,328
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,524
−HK$200/mo
Today · 4.125%
HK$6,724
baseline
▲ 0.50% · 4.625%
HK$7,133
+HK$409/mo
Deposit HK$925K · loan HK$1.39M · min. income ≈ HK$13,448/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$7,039
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,228
−HK$192/mo
Today · 4.125%
HK$7,420
baseline
▲ 0.50% · 4.625%
HK$7,811
+HK$391/mo
Deposit HK$925K · loan HK$1.39M · min. income ≈ HK$14,840/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$7,382
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,612
−HK$233/mo
Today · 4.125%
HK$7,845
baseline
▲ 0.50% · 4.625%
HK$8,322
+HK$477/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$15,690/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$8,213
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,433
−HK$223/mo
Today · 4.125%
HK$8,656
baseline
▲ 0.50% · 4.625%
HK$9,112
+HK$456/mo
Deposit HK$694K · loan HK$1.62M · min. income ≈ HK$17,312/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$9,491
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,787
−HK$299/mo
Today · 4.125%
HK$10,086
baseline
▲ 0.50% · 4.625%
HK$10,700
+HK$614/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,172/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$10,559
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,842
−HK$287/mo
Today · 4.125%
HK$11,129
baseline
▲ 0.50% · 4.625%
HK$11,716
+HK$587/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,258/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).