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$5,219
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,382
−HK$165/mo
Today · 4.125%
HK$5,547
baseline
▲ 0.50% · 4.625%
HK$5,884
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,094/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$5,806
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,962
−HK$158/mo
Today · 4.125%
HK$6,120
baseline
▲ 0.50% · 4.625%
HK$6,443
+HK$323/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,240/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$6,263
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,458
−HK$198/mo
Today · 4.125%
HK$6,656
baseline
▲ 0.50% · 4.625%
HK$7,061
+HK$405/mo
Deposit HK$916K · loan HK$1.37M · min. income ≈ HK$13,312/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,968
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,155
−HK$189/mo
Today · 4.125%
HK$7,344
baseline
▲ 0.50% · 4.625%
HK$7,731
+HK$387/mo
Deposit HK$916K · loan HK$1.37M · min. income ≈ HK$14,688/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,307
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,534
−HK$231/mo
Today · 4.125%
HK$7,765
baseline
▲ 0.50% · 4.625%
HK$8,238
+HK$473/mo
Deposit HK$687K · loan HK$1.60M · min. income ≈ HK$15,530/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$8,129
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,347
−HK$221/mo
Today · 4.125%
HK$8,568
baseline
▲ 0.50% · 4.625%
HK$9,020
+HK$452/mo
Deposit HK$687K · loan HK$1.60M · min. income ≈ HK$17,136/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$9,395
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,687
−HK$297/mo
Today · 4.125%
HK$9,984
baseline
▲ 0.50% · 4.625%
HK$10,591
+HK$607/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,968/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$10,452
−HK$564/mo
▼ 0.25% · 3.875%
HK$10,732
−HK$284/mo
Today · 4.125%
HK$11,016
baseline
▲ 0.50% · 4.625%
HK$11,597
+HK$581/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,032/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).