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$4,993
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,149
−HK$158/mo
Today · 4.125%
HK$5,307
baseline
▲ 0.50% · 4.625%
HK$5,630
+HK$323/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,614/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,555
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,704
−HK$151/mo
Today · 4.125%
HK$5,855
baseline
▲ 0.50% · 4.625%
HK$6,164
+HK$309/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,710/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,992
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,179
−HK$189/mo
Today · 4.125%
HK$6,368
baseline
▲ 0.50% · 4.625%
HK$6,755
+HK$387/mo
Deposit HK$876K · loan HK$1.31M · min. income ≈ HK$12,736/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,666
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,845
−HK$181/mo
Today · 4.125%
HK$7,026
baseline
▲ 0.50% · 4.625%
HK$7,397
+HK$371/mo
Deposit HK$876K · loan HK$1.31M · min. income ≈ HK$14,052/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,991
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,208
−HK$221/mo
Today · 4.125%
HK$7,429
baseline
▲ 0.50% · 4.625%
HK$7,881
+HK$452/mo
Deposit HK$657K · loan HK$1.53M · min. income ≈ HK$14,858/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,777
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,986
−HK$211/mo
Today · 4.125%
HK$8,197
baseline
▲ 0.50% · 4.625%
HK$8,630
+HK$433/mo
Deposit HK$657K · loan HK$1.53M · min. income ≈ HK$16,394/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,988
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,268
−HK$284/mo
Today · 4.125%
HK$9,552
baseline
▲ 0.50% · 4.625%
HK$10,133
+HK$581/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,104/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$9,999
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,268
−HK$272/mo
Today · 4.125%
HK$10,540
baseline
▲ 0.50% · 4.625%
HK$11,095
+HK$555/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,080/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).