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$4,859
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,010
−HK$153/mo
Today · 4.125%
HK$5,163
baseline
▲ 0.50% · 4.625%
HK$5,477
+HK$314/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,326/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,405
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,550
−HK$147/mo
Today · 4.125%
HK$5,697
baseline
▲ 0.50% · 4.625%
HK$5,997
+HK$300/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,394/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,830
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,012
−HK$184/mo
Today · 4.125%
HK$6,196
baseline
▲ 0.50% · 4.625%
HK$6,573
+HK$377/mo
Deposit HK$852K · loan HK$1.28M · min. income ≈ HK$12,392/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,486
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,660
−HK$177/mo
Today · 4.125%
HK$6,837
baseline
▲ 0.50% · 4.625%
HK$7,197
+HK$360/mo
Deposit HK$852K · loan HK$1.28M · min. income ≈ HK$13,674/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,802
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,014
−HK$215/mo
Today · 4.125%
HK$7,229
baseline
▲ 0.50% · 4.625%
HK$7,668
+HK$439/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$14,458/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,567
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,770
−HK$206/mo
Today · 4.125%
HK$7,976
baseline
▲ 0.50% · 4.625%
HK$8,396
+HK$420/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$15,952/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,746
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,018
−HK$276/mo
Today · 4.125%
HK$9,294
baseline
▲ 0.50% · 4.625%
HK$9,859
+HK$565/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,588/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,729
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,990
−HK$265/mo
Today · 4.125%
HK$10,255
baseline
▲ 0.50% · 4.625%
HK$10,795
+HK$540/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,510/mo (50% DSR)
Upfront cash ≈ HK$213K (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).