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$4,841
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,992
−HK$153/mo
Today · 4.125%
HK$5,145
baseline
▲ 0.50% · 4.625%
HK$5,458
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,290/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$5,385
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,530
−HK$146/mo
Today · 4.125%
HK$5,676
baseline
▲ 0.50% · 4.625%
HK$5,976
+HK$300/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,352/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$5,809
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,990
−HK$183/mo
Today · 4.125%
HK$6,173
baseline
▲ 0.50% · 4.625%
HK$6,549
+HK$376/mo
Deposit HK$849K · loan HK$1.27M · min. income ≈ HK$12,346/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,463
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,636
−HK$176/mo
Today · 4.125%
HK$6,812
baseline
▲ 0.50% · 4.625%
HK$7,171
+HK$359/mo
Deposit HK$849K · loan HK$1.27M · min. income ≈ HK$13,624/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,777
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,988
−HK$214/mo
Today · 4.125%
HK$7,202
baseline
▲ 0.50% · 4.625%
HK$7,641
+HK$439/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$14,404/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,540
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,742
−HK$205/mo
Today · 4.125%
HK$7,947
baseline
▲ 0.50% · 4.625%
HK$8,366
+HK$419/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$15,894/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,714
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,985
−HK$275/mo
Today · 4.125%
HK$9,260
baseline
▲ 0.50% · 4.625%
HK$9,824
+HK$564/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,520/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$9,694
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,954
−HK$264/mo
Today · 4.125%
HK$10,218
baseline
▲ 0.50% · 4.625%
HK$10,756
+HK$538/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,436/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).