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$5,232
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,395
−HK$165/mo
Today · 4.125%
HK$5,560
baseline
▲ 0.50% · 4.625%
HK$5,898
+HK$338/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,120/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$5,821
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,977
−HK$158/mo
Today · 4.125%
HK$6,135
baseline
▲ 0.50% · 4.625%
HK$6,458
+HK$323/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,270/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$6,278
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,474
−HK$198/mo
Today · 4.125%
HK$6,672
baseline
▲ 0.50% · 4.625%
HK$7,078
+HK$406/mo
Deposit HK$918K · loan HK$1.38M · min. income ≈ HK$13,344/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$6,985
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,172
−HK$190/mo
Today · 4.125%
HK$7,362
baseline
▲ 0.50% · 4.625%
HK$7,750
+HK$388/mo
Deposit HK$918K · loan HK$1.38M · min. income ≈ HK$14,724/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$7,325
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,553
−HK$231/mo
Today · 4.125%
HK$7,784
baseline
▲ 0.50% · 4.625%
HK$8,258
+HK$474/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$15,568/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,149
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,367
−HK$222/mo
Today · 4.125%
HK$8,589
baseline
▲ 0.50% · 4.625%
HK$9,042
+HK$453/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$17,178/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,418
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,710
−HK$298/mo
Today · 4.125%
HK$10,008
baseline
▲ 0.50% · 4.625%
HK$10,617
+HK$609/mo
Deposit HK$229K · loan HK$2.07M · min. income ≈ HK$20,016/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$10,477
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,758
−HK$285/mo
Today · 4.125%
HK$11,043
baseline
▲ 0.50% · 4.625%
HK$11,625
+HK$582/mo
Deposit HK$229K · loan HK$2.07M · min. income ≈ HK$22,086/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).