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$5,163
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,323
−HK$163/mo
Today · 4.125%
HK$5,486
baseline
▲ 0.50% · 4.625%
HK$5,820
+HK$334/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,972/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,743
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,897
−HK$157/mo
Today · 4.125%
HK$6,054
baseline
▲ 0.50% · 4.625%
HK$6,373
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,108/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,195
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,388
−HK$196/mo
Today · 4.125%
HK$6,584
baseline
▲ 0.50% · 4.625%
HK$6,984
+HK$400/mo
Deposit HK$906K · loan HK$1.36M · min. income ≈ HK$13,168/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,892
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,077
−HK$187/mo
Today · 4.125%
HK$7,264
baseline
▲ 0.50% · 4.625%
HK$7,647
+HK$383/mo
Deposit HK$906K · loan HK$1.36M · min. income ≈ HK$14,528/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,228
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,453
−HK$228/mo
Today · 4.125%
HK$7,681
baseline
▲ 0.50% · 4.625%
HK$8,148
+HK$467/mo
Deposit HK$679K · loan HK$1.58M · min. income ≈ HK$15,362/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,041
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,256
−HK$219/mo
Today · 4.125%
HK$8,475
baseline
▲ 0.50% · 4.625%
HK$8,922
+HK$447/mo
Deposit HK$679K · loan HK$1.58M · min. income ≈ HK$16,950/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,293
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,582
−HK$294/mo
Today · 4.125%
HK$9,876
baseline
▲ 0.50% · 4.625%
HK$10,476
+HK$600/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$19,752/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,338
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,615
−HK$282/mo
Today · 4.125%
HK$10,897
baseline
▲ 0.50% · 4.625%
HK$11,471
+HK$574/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$21,794/mo (50% DSR)
Upfront cash ≈ HK$227K (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).