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$4,975
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,130
−HK$157/mo
Today · 4.125%
HK$5,287
baseline
▲ 0.50% · 4.625%
HK$5,609
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,574/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$5,535
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,684
−HK$150/mo
Today · 4.125%
HK$5,834
baseline
▲ 0.50% · 4.625%
HK$6,142
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,668/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$5,970
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,156
−HK$189/mo
Today · 4.125%
HK$6,345
baseline
▲ 0.50% · 4.625%
HK$6,731
+HK$386/mo
Deposit HK$873K · loan HK$1.31M · min. income ≈ HK$12,690/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,642
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,820
−HK$181/mo
Today · 4.125%
HK$7,001
baseline
▲ 0.50% · 4.625%
HK$7,370
+HK$369/mo
Deposit HK$873K · loan HK$1.31M · min. income ≈ HK$14,002/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,966
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,182
−HK$220/mo
Today · 4.125%
HK$7,402
baseline
▲ 0.50% · 4.625%
HK$7,853
+HK$451/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$14,804/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,749
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,957
−HK$211/mo
Today · 4.125%
HK$8,168
baseline
▲ 0.50% · 4.625%
HK$8,598
+HK$430/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$16,336/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,956
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,234
−HK$283/mo
Today · 4.125%
HK$9,517
baseline
▲ 0.50% · 4.625%
HK$10,096
+HK$579/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$19,034/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$9,963
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,230
−HK$271/mo
Today · 4.125%
HK$10,501
baseline
▲ 0.50% · 4.625%
HK$11,055
+HK$554/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$21,002/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).