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$4,859
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,011
−HK$153/mo
Today · 4.125%
HK$5,164
baseline
▲ 0.50% · 4.625%
HK$5,478
+HK$314/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,328/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,406
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,551
−HK$147/mo
Today · 4.125%
HK$5,698
baseline
▲ 0.50% · 4.625%
HK$5,998
+HK$300/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,396/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,831
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,013
−HK$184/mo
Today · 4.125%
HK$6,197
baseline
▲ 0.50% · 4.625%
HK$6,574
+HK$377/mo
Deposit HK$852K · loan HK$1.28M · min. income ≈ HK$12,394/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,487
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,661
−HK$177/mo
Today · 4.125%
HK$6,838
baseline
▲ 0.50% · 4.625%
HK$7,198
+HK$360/mo
Deposit HK$852K · loan HK$1.28M · min. income ≈ HK$13,676/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,803
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,015
−HK$215/mo
Today · 4.125%
HK$7,230
baseline
▲ 0.50% · 4.625%
HK$7,670
+HK$440/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$14,460/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$7,568
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,771
−HK$206/mo
Today · 4.125%
HK$7,977
baseline
▲ 0.50% · 4.625%
HK$8,398
+HK$421/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$15,954/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$8,747
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,019
−HK$276/mo
Today · 4.125%
HK$9,295
baseline
▲ 0.50% · 4.625%
HK$9,861
+HK$566/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,590/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$9,731
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,992
−HK$265/mo
Today · 4.125%
HK$10,257
baseline
▲ 0.50% · 4.625%
HK$10,797
+HK$540/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,514/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).