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$4,970
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,124
−HK$157/mo
Today · 4.125%
HK$5,281
baseline
▲ 0.50% · 4.625%
HK$5,603
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,562/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,529
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,677
−HK$150/mo
Today · 4.125%
HK$5,827
baseline
▲ 0.50% · 4.625%
HK$6,134
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,654/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,963
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,149
−HK$188/mo
Today · 4.125%
HK$6,337
baseline
▲ 0.50% · 4.625%
HK$6,723
+HK$386/mo
Deposit HK$872K · loan HK$1.31M · min. income ≈ HK$12,674/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,634
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,812
−HK$181/mo
Today · 4.125%
HK$6,993
baseline
▲ 0.50% · 4.625%
HK$7,361
+HK$368/mo
Deposit HK$872K · loan HK$1.31M · min. income ≈ HK$13,986/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,957
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,174
−HK$220/mo
Today · 4.125%
HK$7,394
baseline
▲ 0.50% · 4.625%
HK$7,844
+HK$450/mo
Deposit HK$654K · loan HK$1.53M · min. income ≈ HK$14,788/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,740
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,948
−HK$210/mo
Today · 4.125%
HK$8,158
baseline
▲ 0.50% · 4.625%
HK$8,588
+HK$430/mo
Deposit HK$654K · loan HK$1.53M · min. income ≈ HK$16,316/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,945
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,223
−HK$283/mo
Today · 4.125%
HK$9,506
baseline
▲ 0.50% · 4.625%
HK$10,085
+HK$579/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$19,012/mo (50% DSR)
Upfront cash ≈ HK$218K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,951
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,218
−HK$271/mo
Today · 4.125%
HK$10,489
baseline
▲ 0.50% · 4.625%
HK$11,042
+HK$553/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,978/mo (50% DSR)
Upfront cash ≈ HK$218K (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).