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$4,831
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,982
−HK$152/mo
Today · 4.125%
HK$5,134
baseline
▲ 0.50% · 4.625%
HK$5,447
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,268/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$5,375
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,519
−HK$146/mo
Today · 4.125%
HK$5,665
baseline
▲ 0.50% · 4.625%
HK$5,964
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,330/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$5,798
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,978
−HK$183/mo
Today · 4.125%
HK$6,161
baseline
▲ 0.50% · 4.625%
HK$6,536
+HK$375/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$12,322/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$6,450
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,623
−HK$175/mo
Today · 4.125%
HK$6,798
baseline
▲ 0.50% · 4.625%
HK$7,157
+HK$359/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$13,596/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$6,764
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,974
−HK$214/mo
Today · 4.125%
HK$7,188
baseline
▲ 0.50% · 4.625%
HK$7,625
+HK$437/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$14,376/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$7,525
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,727
−HK$204/mo
Today · 4.125%
HK$7,931
baseline
▲ 0.50% · 4.625%
HK$8,349
+HK$418/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$15,862/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$8,696
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,967
−HK$275/mo
Today · 4.125%
HK$9,242
baseline
▲ 0.50% · 4.625%
HK$9,804
+HK$562/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,484/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$9,675
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,934
−HK$263/mo
Today · 4.125%
HK$10,197
baseline
▲ 0.50% · 4.625%
HK$10,735
+HK$538/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,394/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).