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$4,957
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,112
−HK$156/mo
Today · 4.125%
HK$5,268
baseline
▲ 0.50% · 4.625%
HK$5,589
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,536/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$5,515
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,663
−HK$150/mo
Today · 4.125%
HK$5,813
baseline
▲ 0.50% · 4.625%
HK$6,119
+HK$306/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,626/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$5,949
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,134
−HK$188/mo
Today · 4.125%
HK$6,322
baseline
▲ 0.50% · 4.625%
HK$6,707
+HK$385/mo
Deposit HK$870K · loan HK$1.30M · min. income ≈ HK$12,644/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,618
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,796
−HK$180/mo
Today · 4.125%
HK$6,976
baseline
▲ 0.50% · 4.625%
HK$7,343
+HK$367/mo
Deposit HK$870K · loan HK$1.30M · min. income ≈ HK$13,952/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,940
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,156
−HK$220/mo
Today · 4.125%
HK$7,376
baseline
▲ 0.50% · 4.625%
HK$7,824
+HK$448/mo
Deposit HK$652K · loan HK$1.52M · min. income ≈ HK$14,752/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,721
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,928
−HK$210/mo
Today · 4.125%
HK$8,138
baseline
▲ 0.50% · 4.625%
HK$8,567
+HK$429/mo
Deposit HK$652K · loan HK$1.52M · min. income ≈ HK$16,276/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,923
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,201
−HK$282/mo
Today · 4.125%
HK$9,483
baseline
▲ 0.50% · 4.625%
HK$10,060
+HK$577/mo
Deposit HK$217K · loan HK$1.96M · min. income ≈ HK$18,966/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$9,927
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,193
−HK$271/mo
Today · 4.125%
HK$10,464
baseline
▲ 0.50% · 4.625%
HK$11,015
+HK$551/mo
Deposit HK$217K · loan HK$1.96M · min. income ≈ HK$20,928/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).