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$4,849
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,000
−HK$153/mo
Today · 4.125%
HK$5,153
baseline
▲ 0.50% · 4.625%
HK$5,467
+HK$314/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,306/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$5,394
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,539
−HK$147/mo
Today · 4.125%
HK$5,686
baseline
▲ 0.50% · 4.625%
HK$5,986
+HK$300/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,372/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$5,819
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,000
−HK$184/mo
Today · 4.125%
HK$6,184
baseline
▲ 0.50% · 4.625%
HK$6,560
+HK$376/mo
Deposit HK$851K · loan HK$1.28M · min. income ≈ HK$12,368/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,473
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,647
−HK$176/mo
Today · 4.125%
HK$6,823
baseline
▲ 0.50% · 4.625%
HK$7,183
+HK$360/mo
Deposit HK$851K · loan HK$1.28M · min. income ≈ HK$13,646/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,789
−HK$425/mo
▼ 0.25% · 3.875%
HK$7,000
−HK$214/mo
Today · 4.125%
HK$7,214
baseline
▲ 0.50% · 4.625%
HK$7,653
+HK$439/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$14,428/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,552
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,755
−HK$205/mo
Today · 4.125%
HK$7,960
baseline
▲ 0.50% · 4.625%
HK$8,380
+HK$420/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$15,920/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,728
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,000
−HK$276/mo
Today · 4.125%
HK$9,276
baseline
▲ 0.50% · 4.625%
HK$9,840
+HK$564/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$18,552/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$9,710
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,970
−HK$265/mo
Today · 4.125%
HK$10,235
baseline
▲ 0.50% · 4.625%
HK$10,774
+HK$539/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$20,470/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).