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$4,986
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,141
−HK$157/mo
Today · 4.125%
HK$5,298
baseline
▲ 0.50% · 4.625%
HK$5,621
+HK$323/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,596/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$5,547
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,695
−HK$151/mo
Today · 4.125%
HK$5,846
baseline
▲ 0.50% · 4.625%
HK$6,154
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,692/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$5,983
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,169
−HK$189/mo
Today · 4.125%
HK$6,358
baseline
▲ 0.50% · 4.625%
HK$6,745
+HK$387/mo
Deposit HK$875K · loan HK$1.31M · min. income ≈ HK$12,716/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,656
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,834
−HK$182/mo
Today · 4.125%
HK$7,016
baseline
▲ 0.50% · 4.625%
HK$7,385
+HK$369/mo
Deposit HK$875K · loan HK$1.31M · min. income ≈ HK$14,032/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,980
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,197
−HK$221/mo
Today · 4.125%
HK$7,418
baseline
▲ 0.50% · 4.625%
HK$7,869
+HK$451/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$14,836/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,765
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,974
−HK$211/mo
Today · 4.125%
HK$8,185
baseline
▲ 0.50% · 4.625%
HK$8,616
+HK$431/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$16,370/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,974
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,254
−HK$283/mo
Today · 4.125%
HK$9,537
baseline
▲ 0.50% · 4.625%
HK$10,118
+HK$581/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,074/mo (50% DSR)
Upfront cash ≈ HK$219K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,984
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,252
−HK$271/mo
Today · 4.125%
HK$10,523
baseline
▲ 0.50% · 4.625%
HK$11,078
+HK$555/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,046/mo (50% DSR)
Upfront cash ≈ HK$219K (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).