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$5,203
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,365
−HK$164/mo
Today · 4.125%
HK$5,529
baseline
▲ 0.50% · 4.625%
HK$5,866
+HK$337/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,058/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$5,788
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,943
−HK$158/mo
Today · 4.125%
HK$6,101
baseline
▲ 0.50% · 4.625%
HK$6,423
+HK$322/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,202/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$6,244
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,438
−HK$197/mo
Today · 4.125%
HK$6,635
baseline
▲ 0.50% · 4.625%
HK$7,039
+HK$404/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$13,270/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,946
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,132
−HK$189/mo
Today · 4.125%
HK$7,321
baseline
▲ 0.50% · 4.625%
HK$7,707
+HK$386/mo
Deposit HK$913K · loan HK$1.37M · min. income ≈ HK$14,642/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,284
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,511
−HK$230/mo
Today · 4.125%
HK$7,741
baseline
▲ 0.50% · 4.625%
HK$8,212
+HK$471/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$15,482/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,104
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,321
−HK$220/mo
Today · 4.125%
HK$8,541
baseline
▲ 0.50% · 4.625%
HK$8,992
+HK$451/mo
Deposit HK$685K · loan HK$1.60M · min. income ≈ HK$17,082/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,365
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,657
−HK$296/mo
Today · 4.125%
HK$9,953
baseline
▲ 0.50% · 4.625%
HK$10,558
+HK$605/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,906/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,419
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,698
−HK$284/mo
Today · 4.125%
HK$10,982
baseline
▲ 0.50% · 4.625%
HK$11,561
+HK$579/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,964/mo (50% DSR)
Upfront cash ≈ HK$228K (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).