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$4,964
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,118
−HK$157/mo
Today · 4.125%
HK$5,275
baseline
▲ 0.50% · 4.625%
HK$5,596
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,550/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$5,522
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,670
−HK$151/mo
Today · 4.125%
HK$5,821
baseline
▲ 0.50% · 4.625%
HK$6,127
+HK$306/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,642/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$5,957
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,142
−HK$188/mo
Today · 4.125%
HK$6,330
baseline
▲ 0.50% · 4.625%
HK$6,715
+HK$385/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$12,660/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,627
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,804
−HK$181/mo
Today · 4.125%
HK$6,985
baseline
▲ 0.50% · 4.625%
HK$7,353
+HK$368/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$13,970/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,949
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,166
−HK$219/mo
Today · 4.125%
HK$7,385
baseline
▲ 0.50% · 4.625%
HK$7,835
+HK$450/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$14,770/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,731
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,938
−HK$211/mo
Today · 4.125%
HK$8,149
baseline
▲ 0.50% · 4.625%
HK$8,578
+HK$429/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$16,298/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,935
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,213
−HK$282/mo
Today · 4.125%
HK$9,495
baseline
▲ 0.50% · 4.625%
HK$10,073
+HK$578/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$18,990/mo (50% DSR)
Upfront cash ≈ HK$218K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,940
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,207
−HK$270/mo
Today · 4.125%
HK$10,477
baseline
▲ 0.50% · 4.625%
HK$11,029
+HK$552/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,954/mo (50% DSR)
Upfront cash ≈ HK$218K (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).