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$4,987
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,142
−HK$158/mo
Today · 4.125%
HK$5,300
baseline
▲ 0.50% · 4.625%
HK$5,623
+HK$323/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,600/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$5,548
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,697
−HK$151/mo
Today · 4.125%
HK$5,848
baseline
▲ 0.50% · 4.625%
HK$6,156
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,696/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$5,985
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,171
−HK$189/mo
Today · 4.125%
HK$6,360
baseline
▲ 0.50% · 4.625%
HK$6,747
+HK$387/mo
Deposit HK$875K · loan HK$1.31M · min. income ≈ HK$12,720/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$6,658
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,837
−HK$181/mo
Today · 4.125%
HK$7,018
baseline
▲ 0.50% · 4.625%
HK$7,388
+HK$370/mo
Deposit HK$875K · loan HK$1.31M · min. income ≈ HK$14,036/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$6,982
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,199
−HK$221/mo
Today · 4.125%
HK$7,420
baseline
▲ 0.50% · 4.625%
HK$7,872
+HK$452/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$14,840/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,768
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,976
−HK$211/mo
Today · 4.125%
HK$8,187
baseline
▲ 0.50% · 4.625%
HK$8,619
+HK$432/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$16,374/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,977
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,256
−HK$284/mo
Today · 4.125%
HK$9,540
baseline
▲ 0.50% · 4.625%
HK$10,121
+HK$581/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,080/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$9,987
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,255
−HK$272/mo
Today · 4.125%
HK$10,527
baseline
▲ 0.50% · 4.625%
HK$11,081
+HK$554/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,054/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).