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$4,850
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,000
−HK$154/mo
Today · 4.125%
HK$5,154
baseline
▲ 0.50% · 4.625%
HK$5,467
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,308/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$5,395
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,540
−HK$147/mo
Today · 4.125%
HK$5,687
baseline
▲ 0.50% · 4.625%
HK$5,986
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,374/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$5,820
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,001
−HK$184/mo
Today · 4.125%
HK$6,185
baseline
▲ 0.50% · 4.625%
HK$6,561
+HK$376/mo
Deposit HK$851K · loan HK$1.28M · min. income ≈ HK$12,370/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,474
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,648
−HK$176/mo
Today · 4.125%
HK$6,824
baseline
▲ 0.50% · 4.625%
HK$7,184
+HK$360/mo
Deposit HK$851K · loan HK$1.28M · min. income ≈ HK$13,648/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,789
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,001
−HK$214/mo
Today · 4.125%
HK$7,215
baseline
▲ 0.50% · 4.625%
HK$7,654
+HK$439/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$14,430/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,553
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,756
−HK$205/mo
Today · 4.125%
HK$7,961
baseline
▲ 0.50% · 4.625%
HK$8,381
+HK$420/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$15,922/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,729
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,001
−HK$276/mo
Today · 4.125%
HK$9,277
baseline
▲ 0.50% · 4.625%
HK$9,841
+HK$564/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$18,554/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,711
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,972
−HK$264/mo
Today · 4.125%
HK$10,236
baseline
▲ 0.50% · 4.625%
HK$10,776
+HK$540/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$20,472/mo (50% DSR)
Upfront cash ≈ HK$213K (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).