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$4,815
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,965
−HK$152/mo
Today · 4.125%
HK$5,117
baseline
▲ 0.50% · 4.625%
HK$5,428
+HK$311/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,234/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$5,357
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,500
−HK$146/mo
Today · 4.125%
HK$5,646
baseline
▲ 0.50% · 4.625%
HK$5,944
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,292/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$5,778
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,958
−HK$182/mo
Today · 4.125%
HK$6,140
baseline
▲ 0.50% · 4.625%
HK$6,514
+HK$374/mo
Deposit HK$845K · loan HK$1.27M · min. income ≈ HK$12,280/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,428
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,600
−HK$175/mo
Today · 4.125%
HK$6,775
baseline
▲ 0.50% · 4.625%
HK$7,132
+HK$357/mo
Deposit HK$845K · loan HK$1.27M · min. income ≈ HK$13,550/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,741
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,951
−HK$213/mo
Today · 4.125%
HK$7,164
baseline
▲ 0.50% · 4.625%
HK$7,599
+HK$435/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$14,328/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,499
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,700
−HK$204/mo
Today · 4.125%
HK$7,904
baseline
▲ 0.50% · 4.625%
HK$8,321
+HK$417/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$15,808/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,667
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,936
−HK$274/mo
Today · 4.125%
HK$9,210
baseline
▲ 0.50% · 4.625%
HK$9,771
+HK$561/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,420/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,642
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,900
−HK$263/mo
Today · 4.125%
HK$10,163
baseline
▲ 0.50% · 4.625%
HK$10,698
+HK$535/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,326/mo (50% DSR)
Upfront cash ≈ HK$211K (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).