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$5,296
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,460
−HK$168/mo
Today · 4.125%
HK$5,628
baseline
▲ 0.50% · 4.625%
HK$5,970
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,256/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$5,891
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,049
−HK$161/mo
Today · 4.125%
HK$6,210
baseline
▲ 0.50% · 4.625%
HK$6,537
+HK$327/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,420/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$6,355
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,552
−HK$201/mo
Today · 4.125%
HK$6,753
baseline
▲ 0.50% · 4.625%
HK$7,164
+HK$411/mo
Deposit HK$929K · loan HK$1.39M · min. income ≈ HK$13,506/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,070
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,259
−HK$193/mo
Today · 4.125%
HK$7,452
baseline
▲ 0.50% · 4.625%
HK$7,844
+HK$392/mo
Deposit HK$929K · loan HK$1.39M · min. income ≈ HK$14,904/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,414
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,644
−HK$235/mo
Today · 4.125%
HK$7,879
baseline
▲ 0.50% · 4.625%
HK$8,358
+HK$479/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$15,758/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,248
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,469
−HK$224/mo
Today · 4.125%
HK$8,693
baseline
▲ 0.50% · 4.625%
HK$9,152
+HK$459/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$17,386/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,532
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,829
−HK$301/mo
Today · 4.125%
HK$10,130
baseline
▲ 0.50% · 4.625%
HK$10,746
+HK$616/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,260/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$10,604
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,889
−HK$288/mo
Today · 4.125%
HK$11,177
baseline
▲ 0.50% · 4.625%
HK$11,766
+HK$589/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,354/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).