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$5,362
−HK$164/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$313/mo
▼ 0.25% · 3.875%
HK$5,940
−HK$158/mo
Today · 4.125%
HK$6,098
baseline
▲ 0.50% · 4.625%
HK$6,419
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,196/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$7,035
+HK$404/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$6,942
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,128
−HK$189/mo
Today · 4.125%
HK$7,317
baseline
▲ 0.50% · 4.625%
HK$7,703
+HK$386/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$14,634/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$7,280
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,507
−HK$230/mo
Today · 4.125%
HK$7,737
baseline
▲ 0.50% · 4.625%
HK$8,207
+HK$470/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$15,474/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$8,099
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,316
−HK$221/mo
Today · 4.125%
HK$8,537
baseline
▲ 0.50% · 4.625%
HK$8,987
+HK$450/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$17,074/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$9,360
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,651
−HK$296/mo
Today · 4.125%
HK$9,947
baseline
▲ 0.50% · 4.625%
HK$10,552
+HK$605/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,894/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$10,413
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,692
−HK$284/mo
Today · 4.125%
HK$10,976
baseline
▲ 0.50% · 4.625%
HK$11,554
+HK$578/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,952/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).