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$5,291
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,455
−HK$167/mo
Today · 4.125%
HK$5,622
baseline
▲ 0.50% · 4.625%
HK$5,965
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,244/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$5,886
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,044
−HK$160/mo
Today · 4.125%
HK$6,204
baseline
▲ 0.50% · 4.625%
HK$6,531
+HK$327/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,408/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$6,349
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,546
−HK$201/mo
Today · 4.125%
HK$6,747
baseline
▲ 0.50% · 4.625%
HK$7,158
+HK$411/mo
Deposit HK$928K · loan HK$1.39M · min. income ≈ HK$13,494/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,063
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,252
−HK$193/mo
Today · 4.125%
HK$7,445
baseline
▲ 0.50% · 4.625%
HK$7,837
+HK$392/mo
Deposit HK$928K · loan HK$1.39M · min. income ≈ HK$14,890/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,407
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,637
−HK$234/mo
Today · 4.125%
HK$7,871
baseline
▲ 0.50% · 4.625%
HK$8,350
+HK$479/mo
Deposit HK$696K · loan HK$1.62M · min. income ≈ HK$15,742/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,240
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,461
−HK$224/mo
Today · 4.125%
HK$8,685
baseline
▲ 0.50% · 4.625%
HK$9,143
+HK$458/mo
Deposit HK$696K · loan HK$1.62M · min. income ≈ HK$17,370/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,523
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,820
−HK$300/mo
Today · 4.125%
HK$10,120
baseline
▲ 0.50% · 4.625%
HK$10,736
+HK$616/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,240/mo (50% DSR)
Upfront cash ≈ HK$232K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,595
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,879
−HK$288/mo
Today · 4.125%
HK$11,167
baseline
▲ 0.50% · 4.625%
HK$11,756
+HK$589/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,334/mo (50% DSR)
Upfront cash ≈ HK$232K (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).