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$4,832
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,982
−HK$153/mo
Today · 4.125%
HK$5,135
baseline
▲ 0.50% · 4.625%
HK$5,447
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,270/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,375
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,520
−HK$146/mo
Today · 4.125%
HK$5,666
baseline
▲ 0.50% · 4.625%
HK$5,964
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,332/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,798
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,979
−HK$183/mo
Today · 4.125%
HK$6,162
baseline
▲ 0.50% · 4.625%
HK$6,537
+HK$375/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$12,324/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,450
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,623
−HK$176/mo
Today · 4.125%
HK$6,799
baseline
▲ 0.50% · 4.625%
HK$7,157
+HK$358/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$13,598/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,765
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,975
−HK$214/mo
Today · 4.125%
HK$7,189
baseline
▲ 0.50% · 4.625%
HK$7,626
+HK$437/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$14,378/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,526
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,727
−HK$205/mo
Today · 4.125%
HK$7,932
baseline
▲ 0.50% · 4.625%
HK$8,350
+HK$418/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$15,864/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,697
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,968
−HK$275/mo
Today · 4.125%
HK$9,243
baseline
▲ 0.50% · 4.625%
HK$9,805
+HK$562/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,486/mo (50% DSR)
Upfront cash ≈ HK$212K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,676
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,935
−HK$263/mo
Today · 4.125%
HK$10,198
baseline
▲ 0.50% · 4.625%
HK$10,736
+HK$538/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,396/mo (50% DSR)
Upfront cash ≈ HK$212K (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).