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$4,962
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,116
−HK$157/mo
Today · 4.125%
HK$5,273
baseline
▲ 0.50% · 4.625%
HK$5,594
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,546/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$5,520
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,668
−HK$150/mo
Today · 4.125%
HK$5,818
baseline
▲ 0.50% · 4.625%
HK$6,125
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,636/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$5,954
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,139
−HK$189/mo
Today · 4.125%
HK$6,328
baseline
▲ 0.50% · 4.625%
HK$6,713
+HK$385/mo
Deposit HK$870K · loan HK$1.31M · min. income ≈ HK$12,656/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$6,624
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,802
−HK$180/mo
Today · 4.125%
HK$6,982
baseline
▲ 0.50% · 4.625%
HK$7,350
+HK$368/mo
Deposit HK$870K · loan HK$1.31M · min. income ≈ HK$13,964/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$6,947
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,163
−HK$219/mo
Today · 4.125%
HK$7,382
baseline
▲ 0.50% · 4.625%
HK$7,831
+HK$449/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$14,764/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$7,728
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,935
−HK$211/mo
Today · 4.125%
HK$8,146
baseline
▲ 0.50% · 4.625%
HK$8,575
+HK$429/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$16,292/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$8,931
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,209
−HK$282/mo
Today · 4.125%
HK$9,491
baseline
▲ 0.50% · 4.625%
HK$10,069
+HK$578/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$18,982/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$9,936
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,203
−HK$270/mo
Today · 4.125%
HK$10,473
baseline
▲ 0.50% · 4.625%
HK$11,025
+HK$552/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,946/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).