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$4,985
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,140
−HK$158/mo
Today · 4.125%
HK$5,298
baseline
▲ 0.50% · 4.625%
HK$5,620
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,596/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$5,546
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,695
−HK$151/mo
Today · 4.125%
HK$5,846
baseline
▲ 0.50% · 4.625%
HK$6,154
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,692/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$5,982
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,169
−HK$189/mo
Today · 4.125%
HK$6,358
baseline
▲ 0.50% · 4.625%
HK$6,744
+HK$386/mo
Deposit HK$875K · loan HK$1.31M · min. income ≈ HK$12,716/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,655
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,834
−HK$181/mo
Today · 4.125%
HK$7,015
baseline
▲ 0.50% · 4.625%
HK$7,385
+HK$370/mo
Deposit HK$875K · loan HK$1.31M · min. income ≈ HK$14,030/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,980
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,197
−HK$220/mo
Today · 4.125%
HK$7,417
baseline
▲ 0.50% · 4.625%
HK$7,869
+HK$452/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$14,834/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,765
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,973
−HK$211/mo
Today · 4.125%
HK$8,184
baseline
▲ 0.50% · 4.625%
HK$8,616
+HK$432/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$16,368/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,974
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,253
−HK$283/mo
Today · 4.125%
HK$9,536
baseline
▲ 0.50% · 4.625%
HK$10,117
+HK$581/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,072/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$9,983
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,251
−HK$271/mo
Today · 4.125%
HK$10,522
baseline
▲ 0.50% · 4.625%
HK$11,077
+HK$555/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,044/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).