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$5,260
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,424
−HK$166/mo
Today · 4.125%
HK$5,590
baseline
▲ 0.50% · 4.625%
HK$5,930
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,180/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$5,852
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,009
−HK$159/mo
Today · 4.125%
HK$6,168
baseline
▲ 0.50% · 4.625%
HK$6,493
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,336/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$6,312
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,509
−HK$199/mo
Today · 4.125%
HK$6,708
baseline
▲ 0.50% · 4.625%
HK$7,116
+HK$408/mo
Deposit HK$923K · loan HK$1.38M · min. income ≈ HK$13,416/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,022
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,211
−HK$191/mo
Today · 4.125%
HK$7,402
baseline
▲ 0.50% · 4.625%
HK$7,792
+HK$390/mo
Deposit HK$923K · loan HK$1.38M · min. income ≈ HK$14,804/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,364
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,593
−HK$233/mo
Today · 4.125%
HK$7,826
baseline
▲ 0.50% · 4.625%
HK$8,302
+HK$476/mo
Deposit HK$692K · loan HK$1.61M · min. income ≈ HK$15,652/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$8,193
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,412
−HK$223/mo
Today · 4.125%
HK$8,635
baseline
▲ 0.50% · 4.625%
HK$9,090
+HK$455/mo
Deposit HK$692K · loan HK$1.61M · min. income ≈ HK$17,270/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$9,468
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,763
−HK$299/mo
Today · 4.125%
HK$10,062
baseline
▲ 0.50% · 4.625%
HK$10,674
+HK$612/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,124/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$10,533
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,816
−HK$287/mo
Today · 4.125%
HK$11,103
baseline
▲ 0.50% · 4.625%
HK$11,688
+HK$585/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,206/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).