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$4,855
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,006
−HK$153/mo
Today · 4.125%
HK$5,159
baseline
▲ 0.50% · 4.625%
HK$5,473
+HK$314/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,318/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$5,401
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,545
−HK$147/mo
Today · 4.125%
HK$5,692
baseline
▲ 0.50% · 4.625%
HK$5,992
+HK$300/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,384/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$5,825
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,007
−HK$184/mo
Today · 4.125%
HK$6,191
baseline
▲ 0.50% · 4.625%
HK$6,567
+HK$376/mo
Deposit HK$852K · loan HK$1.28M · min. income ≈ HK$12,382/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,481
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,655
−HK$176/mo
Today · 4.125%
HK$6,831
baseline
▲ 0.50% · 4.625%
HK$7,191
+HK$360/mo
Deposit HK$852K · loan HK$1.28M · min. income ≈ HK$13,662/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,796
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,008
−HK$215/mo
Today · 4.125%
HK$7,223
baseline
▲ 0.50% · 4.625%
HK$7,662
+HK$439/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$14,446/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,561
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,764
−HK$205/mo
Today · 4.125%
HK$7,969
baseline
▲ 0.50% · 4.625%
HK$8,389
+HK$420/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$15,938/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,738
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,010
−HK$276/mo
Today · 4.125%
HK$9,286
baseline
▲ 0.50% · 4.625%
HK$9,851
+HK$565/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,572/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$9,721
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,982
−HK$264/mo
Today · 4.125%
HK$10,246
baseline
▲ 0.50% · 4.625%
HK$10,786
+HK$540/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,492/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).