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$4,842
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,993
−HK$153/mo
Today · 4.125%
HK$5,146
baseline
▲ 0.50% · 4.625%
HK$5,459
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,292/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$5,387
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,531
−HK$147/mo
Today · 4.125%
HK$5,678
baseline
▲ 0.50% · 4.625%
HK$5,977
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,356/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$5,811
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,991
−HK$184/mo
Today · 4.125%
HK$6,175
baseline
▲ 0.50% · 4.625%
HK$6,551
+HK$376/mo
Deposit HK$849K · loan HK$1.27M · min. income ≈ HK$12,350/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,464
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,638
−HK$176/mo
Today · 4.125%
HK$6,814
baseline
▲ 0.50% · 4.625%
HK$7,173
+HK$359/mo
Deposit HK$849K · loan HK$1.27M · min. income ≈ HK$13,628/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,779
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,990
−HK$214/mo
Today · 4.125%
HK$7,204
baseline
▲ 0.50% · 4.625%
HK$7,643
+HK$439/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$14,408/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$7,542
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,744
−HK$205/mo
Today · 4.125%
HK$7,949
baseline
▲ 0.50% · 4.625%
HK$8,368
+HK$419/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$15,898/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$8,716
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,987
−HK$276/mo
Today · 4.125%
HK$9,263
baseline
▲ 0.50% · 4.625%
HK$9,826
+HK$563/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,526/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$9,696
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,957
−HK$263/mo
Today · 4.125%
HK$10,220
baseline
▲ 0.50% · 4.625%
HK$10,759
+HK$539/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,440/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).