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$4,824
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,974
−HK$153/mo
Today · 4.125%
HK$5,127
baseline
▲ 0.50% · 4.625%
HK$5,439
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,254/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$5,367
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,511
−HK$146/mo
Today · 4.125%
HK$5,657
baseline
▲ 0.50% · 4.625%
HK$5,955
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,314/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$5,789
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,969
−HK$183/mo
Today · 4.125%
HK$6,152
baseline
▲ 0.50% · 4.625%
HK$6,527
+HK$375/mo
Deposit HK$846K · loan HK$1.27M · min. income ≈ HK$12,304/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,441
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,613
−HK$175/mo
Today · 4.125%
HK$6,788
baseline
▲ 0.50% · 4.625%
HK$7,146
+HK$358/mo
Deposit HK$846K · loan HK$1.27M · min. income ≈ HK$13,576/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,754
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,964
−HK$214/mo
Today · 4.125%
HK$7,178
baseline
▲ 0.50% · 4.625%
HK$7,614
+HK$436/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$14,356/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,514
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,715
−HK$205/mo
Today · 4.125%
HK$7,920
baseline
▲ 0.50% · 4.625%
HK$8,337
+HK$417/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$15,840/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,684
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,954
−HK$274/mo
Today · 4.125%
HK$9,228
baseline
▲ 0.50% · 4.625%
HK$9,790
+HK$562/mo
Deposit HK$212K · loan HK$1.90M · min. income ≈ HK$18,456/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$9,661
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,920
−HK$263/mo
Today · 4.125%
HK$10,183
baseline
▲ 0.50% · 4.625%
HK$10,719
+HK$536/mo
Deposit HK$212K · loan HK$1.90M · min. income ≈ HK$20,366/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).