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$4,816
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,966
−HK$152/mo
Today · 4.125%
HK$5,118
baseline
▲ 0.50% · 4.625%
HK$5,429
+HK$311/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,236/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$5,358
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,501
−HK$146/mo
Today · 4.125%
HK$5,647
baseline
▲ 0.50% · 4.625%
HK$5,945
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,294/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$5,779
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,959
−HK$182/mo
Today · 4.125%
HK$6,141
baseline
▲ 0.50% · 4.625%
HK$6,515
+HK$374/mo
Deposit HK$845K · loan HK$1.27M · min. income ≈ HK$12,282/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,429
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,601
−HK$175/mo
Today · 4.125%
HK$6,776
baseline
▲ 0.50% · 4.625%
HK$7,134
+HK$358/mo
Deposit HK$845K · loan HK$1.27M · min. income ≈ HK$13,552/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,742
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,952
−HK$213/mo
Today · 4.125%
HK$7,165
baseline
▲ 0.50% · 4.625%
HK$7,601
+HK$436/mo
Deposit HK$634K · loan HK$1.48M · min. income ≈ HK$14,330/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,501
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,702
−HK$204/mo
Today · 4.125%
HK$7,906
baseline
▲ 0.50% · 4.625%
HK$8,323
+HK$417/mo
Deposit HK$634K · loan HK$1.48M · min. income ≈ HK$15,812/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,668
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,938
−HK$274/mo
Today · 4.125%
HK$9,212
baseline
▲ 0.50% · 4.625%
HK$9,773
+HK$561/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,424/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,644
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,902
−HK$263/mo
Today · 4.125%
HK$10,165
baseline
▲ 0.50% · 4.625%
HK$10,700
+HK$535/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,330/mo (50% DSR)
Upfront cash ≈ HK$211K (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).