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$4,963
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,118
−HK$157/mo
Today · 4.125%
HK$5,275
baseline
▲ 0.50% · 4.625%
HK$5,596
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,550/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$5,522
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,670
−HK$150/mo
Today · 4.125%
HK$5,820
baseline
▲ 0.50% · 4.625%
HK$6,127
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,640/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$5,956
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,141
−HK$189/mo
Today · 4.125%
HK$6,330
baseline
▲ 0.50% · 4.625%
HK$6,715
+HK$385/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$12,660/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,626
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,804
−HK$180/mo
Today · 4.125%
HK$6,984
baseline
▲ 0.50% · 4.625%
HK$7,352
+HK$368/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$13,968/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,949
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,165
−HK$219/mo
Today · 4.125%
HK$7,384
baseline
▲ 0.50% · 4.625%
HK$7,834
+HK$450/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$14,768/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,730
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,938
−HK$210/mo
Today · 4.125%
HK$8,148
baseline
▲ 0.50% · 4.625%
HK$8,577
+HK$429/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$16,296/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,934
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,212
−HK$282/mo
Today · 4.125%
HK$9,494
baseline
▲ 0.50% · 4.625%
HK$10,072
+HK$578/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$18,988/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$9,939
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,206
−HK$270/mo
Today · 4.125%
HK$10,476
baseline
▲ 0.50% · 4.625%
HK$11,028
+HK$552/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,952/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).