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$4,990
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,145
−HK$158/mo
Today · 4.125%
HK$5,303
baseline
▲ 0.50% · 4.625%
HK$5,626
+HK$323/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,606/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$5,551
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,700
−HK$151/mo
Today · 4.125%
HK$5,851
baseline
▲ 0.50% · 4.625%
HK$6,160
+HK$309/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,702/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$5,988
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,174
−HK$190/mo
Today · 4.125%
HK$6,364
baseline
▲ 0.50% · 4.625%
HK$6,751
+HK$387/mo
Deposit HK$875K · loan HK$1.31M · min. income ≈ HK$12,728/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$6,662
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,840
−HK$182/mo
Today · 4.125%
HK$7,022
baseline
▲ 0.50% · 4.625%
HK$7,392
+HK$370/mo
Deposit HK$875K · loan HK$1.31M · min. income ≈ HK$14,044/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$6,986
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,203
−HK$221/mo
Today · 4.125%
HK$7,424
baseline
▲ 0.50% · 4.625%
HK$7,876
+HK$452/mo
Deposit HK$657K · loan HK$1.53M · min. income ≈ HK$14,848/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$7,772
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,980
−HK$212/mo
Today · 4.125%
HK$8,192
baseline
▲ 0.50% · 4.625%
HK$8,624
+HK$432/mo
Deposit HK$657K · loan HK$1.53M · min. income ≈ HK$16,384/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$8,982
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,262
−HK$283/mo
Today · 4.125%
HK$9,545
baseline
▲ 0.50% · 4.625%
HK$10,126
+HK$581/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,090/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$9,993
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,261
−HK$271/mo
Today · 4.125%
HK$10,532
baseline
▲ 0.50% · 4.625%
HK$11,088
+HK$556/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,064/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).