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$5,234
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,397
−HK$165/mo
Today · 4.125%
HK$5,562
baseline
▲ 0.50% · 4.625%
HK$5,900
+HK$338/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,124/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$5,822
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,979
−HK$158/mo
Today · 4.125%
HK$6,137
baseline
▲ 0.50% · 4.625%
HK$6,461
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,274/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$6,280
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,476
−HK$198/mo
Today · 4.125%
HK$6,674
baseline
▲ 0.50% · 4.625%
HK$7,080
+HK$406/mo
Deposit HK$918K · loan HK$1.38M · min. income ≈ HK$13,348/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,987
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,174
−HK$190/mo
Today · 4.125%
HK$7,364
baseline
▲ 0.50% · 4.625%
HK$7,753
+HK$389/mo
Deposit HK$918K · loan HK$1.38M · min. income ≈ HK$14,728/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,327
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,555
−HK$232/mo
Today · 4.125%
HK$7,787
baseline
▲ 0.50% · 4.625%
HK$8,260
+HK$473/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$15,574/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,151
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,370
−HK$222/mo
Today · 4.125%
HK$8,592
baseline
▲ 0.50% · 4.625%
HK$9,045
+HK$453/mo
Deposit HK$689K · loan HK$1.61M · min. income ≈ HK$17,184/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,421
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,714
−HK$297/mo
Today · 4.125%
HK$10,011
baseline
▲ 0.50% · 4.625%
HK$10,621
+HK$610/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$20,022/mo (50% DSR)
Upfront cash ≈ HK$230K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,480
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,761
−HK$286/mo
Today · 4.125%
HK$11,047
baseline
▲ 0.50% · 4.625%
HK$11,629
+HK$582/mo
Deposit HK$230K · loan HK$2.07M · min. income ≈ HK$22,094/mo (50% DSR)
Upfront cash ≈ HK$230K (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).