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$4,833
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,983
−HK$153/mo
Today · 4.125%
HK$5,136
baseline
▲ 0.50% · 4.625%
HK$5,449
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,272/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$5,377
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,521
−HK$146/mo
Today · 4.125%
HK$5,667
baseline
▲ 0.50% · 4.625%
HK$5,966
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,334/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$5,800
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,980
−HK$183/mo
Today · 4.125%
HK$6,163
baseline
▲ 0.50% · 4.625%
HK$6,539
+HK$376/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$12,326/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,452
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,625
−HK$176/mo
Today · 4.125%
HK$6,801
baseline
▲ 0.50% · 4.625%
HK$7,159
+HK$358/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$13,602/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,766
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,977
−HK$214/mo
Today · 4.125%
HK$7,191
baseline
▲ 0.50% · 4.625%
HK$7,628
+HK$437/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$14,382/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,528
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,729
−HK$205/mo
Today · 4.125%
HK$7,934
baseline
▲ 0.50% · 4.625%
HK$8,352
+HK$418/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$15,868/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,700
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,970
−HK$275/mo
Today · 4.125%
HK$9,245
baseline
▲ 0.50% · 4.625%
HK$9,808
+HK$563/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,490/mo (50% DSR)
Upfront cash ≈ HK$212K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,678
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,938
−HK$263/mo
Today · 4.125%
HK$10,201
baseline
▲ 0.50% · 4.625%
HK$10,739
+HK$538/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,402/mo (50% DSR)
Upfront cash ≈ HK$212K (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).