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$4,834
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,985
−HK$153/mo
Today · 4.125%
HK$5,138
baseline
▲ 0.50% · 4.625%
HK$5,450
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,276/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$5,378
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,523
−HK$146/mo
Today · 4.125%
HK$5,669
baseline
▲ 0.50% · 4.625%
HK$5,968
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,338/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$5,801
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,982
−HK$183/mo
Today · 4.125%
HK$6,165
baseline
▲ 0.50% · 4.625%
HK$6,540
+HK$375/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$12,330/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$6,454
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,627
−HK$176/mo
Today · 4.125%
HK$6,803
baseline
▲ 0.50% · 4.625%
HK$7,161
+HK$358/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$13,606/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$6,768
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,979
−HK$214/mo
Today · 4.125%
HK$7,193
baseline
▲ 0.50% · 4.625%
HK$7,630
+HK$437/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$14,386/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$7,530
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,732
−HK$204/mo
Today · 4.125%
HK$7,936
baseline
▲ 0.50% · 4.625%
HK$8,355
+HK$419/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$15,872/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$8,702
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,973
−HK$275/mo
Today · 4.125%
HK$9,248
baseline
▲ 0.50% · 4.625%
HK$9,810
+HK$562/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,496/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$9,681
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,941
−HK$263/mo
Today · 4.125%
HK$10,204
baseline
▲ 0.50% · 4.625%
HK$10,742
+HK$538/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,408/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).