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$5,218
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,380
−HK$165/mo
Today · 4.125%
HK$5,545
baseline
▲ 0.50% · 4.625%
HK$5,882
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,090/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$5,805
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,961
−HK$157/mo
Today · 4.125%
HK$6,118
baseline
▲ 0.50% · 4.625%
HK$6,441
+HK$323/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,236/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$6,261
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,456
−HK$198/mo
Today · 4.125%
HK$6,654
baseline
▲ 0.50% · 4.625%
HK$7,059
+HK$405/mo
Deposit HK$915K · loan HK$1.37M · min. income ≈ HK$13,308/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,966
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,153
−HK$189/mo
Today · 4.125%
HK$7,342
baseline
▲ 0.50% · 4.625%
HK$7,729
+HK$387/mo
Deposit HK$915K · loan HK$1.37M · min. income ≈ HK$14,684/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,305
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,532
−HK$231/mo
Today · 4.125%
HK$7,763
baseline
▲ 0.50% · 4.625%
HK$8,235
+HK$472/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$15,526/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,127
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,345
−HK$221/mo
Today · 4.125%
HK$8,566
baseline
▲ 0.50% · 4.625%
HK$9,017
+HK$451/mo
Deposit HK$686K · loan HK$1.60M · min. income ≈ HK$17,132/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,392
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,684
−HK$297/mo
Today · 4.125%
HK$9,981
baseline
▲ 0.50% · 4.625%
HK$10,588
+HK$607/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,962/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,449
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,729
−HK$284/mo
Today · 4.125%
HK$11,013
baseline
▲ 0.50% · 4.625%
HK$11,594
+HK$581/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,026/mo (50% DSR)
Upfront cash ≈ HK$229K (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).