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$4,819
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,969
−HK$152/mo
Today · 4.125%
HK$5,121
baseline
▲ 0.50% · 4.625%
HK$5,433
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,242/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$5,361
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,505
−HK$146/mo
Today · 4.125%
HK$5,651
baseline
▲ 0.50% · 4.625%
HK$5,948
+HK$297/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,302/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$5,783
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,962
−HK$183/mo
Today · 4.125%
HK$6,145
baseline
▲ 0.50% · 4.625%
HK$6,519
+HK$374/mo
Deposit HK$845K · loan HK$1.27M · min. income ≈ HK$12,290/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$6,433
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,606
−HK$175/mo
Today · 4.125%
HK$6,781
baseline
▲ 0.50% · 4.625%
HK$7,138
+HK$357/mo
Deposit HK$845K · loan HK$1.27M · min. income ≈ HK$13,562/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$6,746
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,956
−HK$213/mo
Today · 4.125%
HK$7,169
baseline
▲ 0.50% · 4.625%
HK$7,606
+HK$437/mo
Deposit HK$634K · loan HK$1.48M · min. income ≈ HK$14,338/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$7,505
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,707
−HK$204/mo
Today · 4.125%
HK$7,911
baseline
▲ 0.50% · 4.625%
HK$8,328
+HK$417/mo
Deposit HK$634K · loan HK$1.48M · min. income ≈ HK$15,822/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$8,674
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,944
−HK$274/mo
Today · 4.125%
HK$9,218
baseline
▲ 0.50% · 4.625%
HK$9,779
+HK$561/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,436/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$9,650
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,908
−HK$263/mo
Today · 4.125%
HK$10,171
baseline
▲ 0.50% · 4.625%
HK$10,707
+HK$536/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,342/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).