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$4,993
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,148
−HK$158/mo
Today · 4.125%
HK$5,306
baseline
▲ 0.50% · 4.625%
HK$5,629
+HK$323/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,612/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$5,555
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,704
−HK$151/mo
Today · 4.125%
HK$5,855
baseline
▲ 0.50% · 4.625%
HK$6,163
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,710/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$5,992
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,178
−HK$189/mo
Today · 4.125%
HK$6,367
baseline
▲ 0.50% · 4.625%
HK$6,755
+HK$388/mo
Deposit HK$876K · loan HK$1.31M · min. income ≈ HK$12,734/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,665
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,844
−HK$182/mo
Today · 4.125%
HK$7,026
baseline
▲ 0.50% · 4.625%
HK$7,396
+HK$370/mo
Deposit HK$876K · loan HK$1.31M · min. income ≈ HK$14,052/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,990
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,208
−HK$220/mo
Today · 4.125%
HK$7,428
baseline
▲ 0.50% · 4.625%
HK$7,880
+HK$452/mo
Deposit HK$657K · loan HK$1.53M · min. income ≈ HK$14,856/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,776
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,985
−HK$212/mo
Today · 4.125%
HK$8,197
baseline
▲ 0.50% · 4.625%
HK$8,629
+HK$432/mo
Deposit HK$657K · loan HK$1.53M · min. income ≈ HK$16,394/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,987
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,267
−HK$284/mo
Today · 4.125%
HK$9,551
baseline
▲ 0.50% · 4.625%
HK$10,132
+HK$581/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,102/mo (50% DSR)
Upfront cash ≈ HK$219K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,998
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,266
−HK$272/mo
Today · 4.125%
HK$10,538
baseline
▲ 0.50% · 4.625%
HK$11,094
+HK$556/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,076/mo (50% DSR)
Upfront cash ≈ HK$219K (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).