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$5,177
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,338
−HK$163/mo
Today · 4.125%
HK$5,501
baseline
▲ 0.50% · 4.625%
HK$5,836
+HK$335/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,002/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$5,759
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,913
−HK$157/mo
Today · 4.125%
HK$6,070
baseline
▲ 0.50% · 4.625%
HK$6,390
+HK$320/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,140/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$6,212
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,405
−HK$196/mo
Today · 4.125%
HK$6,601
baseline
▲ 0.50% · 4.625%
HK$7,003
+HK$402/mo
Deposit HK$908K · loan HK$1.36M · min. income ≈ HK$13,202/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,911
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,096
−HK$188/mo
Today · 4.125%
HK$7,284
baseline
▲ 0.50% · 4.625%
HK$7,668
+HK$384/mo
Deposit HK$908K · loan HK$1.36M · min. income ≈ HK$14,568/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,247
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,473
−HK$229/mo
Today · 4.125%
HK$7,702
baseline
▲ 0.50% · 4.625%
HK$8,170
+HK$468/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$15,404/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,062
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,279
−HK$219/mo
Today · 4.125%
HK$8,498
baseline
▲ 0.50% · 4.625%
HK$8,946
+HK$448/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$16,996/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,318
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,608
−HK$294/mo
Today · 4.125%
HK$9,902
baseline
▲ 0.50% · 4.625%
HK$10,505
+HK$603/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,804/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,366
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,644
−HK$282/mo
Today · 4.125%
HK$10,926
baseline
▲ 0.50% · 4.625%
HK$11,502
+HK$576/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,852/mo (50% DSR)
Upfront cash ≈ HK$227K (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).