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$4,949
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,103
−HK$157/mo
Today · 4.125%
HK$5,260
baseline
▲ 0.50% · 4.625%
HK$5,580
+HK$320/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,520/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$5,506
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,654
−HK$150/mo
Today · 4.125%
HK$5,804
baseline
▲ 0.50% · 4.625%
HK$6,110
+HK$306/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,608/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$5,939
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,124
−HK$188/mo
Today · 4.125%
HK$6,312
baseline
▲ 0.50% · 4.625%
HK$6,696
+HK$384/mo
Deposit HK$868K · loan HK$1.30M · min. income ≈ HK$12,624/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,607
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,785
−HK$179/mo
Today · 4.125%
HK$6,964
baseline
▲ 0.50% · 4.625%
HK$7,331
+HK$367/mo
Deposit HK$868K · loan HK$1.30M · min. income ≈ HK$13,928/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,929
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,145
−HK$219/mo
Today · 4.125%
HK$7,364
baseline
▲ 0.50% · 4.625%
HK$7,812
+HK$448/mo
Deposit HK$651K · loan HK$1.52M · min. income ≈ HK$14,728/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,709
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,915
−HK$210/mo
Today · 4.125%
HK$8,125
baseline
▲ 0.50% · 4.625%
HK$8,553
+HK$428/mo
Deposit HK$651K · loan HK$1.52M · min. income ≈ HK$16,250/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,909
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,186
−HK$282/mo
Today · 4.125%
HK$9,468
baseline
▲ 0.50% · 4.625%
HK$10,044
+HK$576/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,936/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,911
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,177
−HK$269/mo
Today · 4.125%
HK$10,446
baseline
▲ 0.50% · 4.625%
HK$10,997
+HK$551/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,892/mo (50% DSR)
Upfront cash ≈ HK$217K (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).