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$4,964
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,119
−HK$157/mo
Today · 4.125%
HK$5,276
baseline
▲ 0.50% · 4.625%
HK$5,597
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,552/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$5,523
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,671
−HK$150/mo
Today · 4.125%
HK$5,821
baseline
▲ 0.50% · 4.625%
HK$6,128
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,642/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$5,957
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,143
−HK$188/mo
Today · 4.125%
HK$6,331
baseline
▲ 0.50% · 4.625%
HK$6,716
+HK$385/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$12,662/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,627
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,805
−HK$180/mo
Today · 4.125%
HK$6,985
baseline
▲ 0.50% · 4.625%
HK$7,354
+HK$369/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$13,970/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,950
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,166
−HK$220/mo
Today · 4.125%
HK$7,386
baseline
▲ 0.50% · 4.625%
HK$7,835
+HK$449/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$14,772/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,732
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,939
−HK$211/mo
Today · 4.125%
HK$8,150
baseline
▲ 0.50% · 4.625%
HK$8,579
+HK$429/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$16,300/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,936
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,214
−HK$282/mo
Today · 4.125%
HK$9,496
baseline
▲ 0.50% · 4.625%
HK$10,074
+HK$578/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$18,992/mo (50% DSR)
Upfront cash ≈ HK$218K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,941
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,208
−HK$270/mo
Today · 4.125%
HK$10,478
baseline
▲ 0.50% · 4.625%
HK$11,031
+HK$553/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,956/mo (50% DSR)
Upfront cash ≈ HK$218K (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).