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$4,836
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,987
−HK$153/mo
Today · 4.125%
HK$5,140
baseline
▲ 0.50% · 4.625%
HK$5,452
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,280/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$5,380
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,525
−HK$146/mo
Today · 4.125%
HK$5,671
baseline
▲ 0.50% · 4.625%
HK$5,970
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,342/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$5,804
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,984
−HK$184/mo
Today · 4.125%
HK$6,168
baseline
▲ 0.50% · 4.625%
HK$6,543
+HK$375/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$12,336/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,456
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,630
−HK$175/mo
Today · 4.125%
HK$6,805
baseline
▲ 0.50% · 4.625%
HK$7,164
+HK$359/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$13,610/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,771
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,981
−HK$214/mo
Today · 4.125%
HK$7,195
baseline
▲ 0.50% · 4.625%
HK$7,633
+HK$438/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$14,390/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,532
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,735
−HK$204/mo
Today · 4.125%
HK$7,939
baseline
▲ 0.50% · 4.625%
HK$8,358
+HK$419/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$15,878/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,705
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,976
−HK$275/mo
Today · 4.125%
HK$9,251
baseline
▲ 0.50% · 4.625%
HK$9,814
+HK$563/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,502/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$9,685
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,944
−HK$264/mo
Today · 4.125%
HK$10,208
baseline
▲ 0.50% · 4.625%
HK$10,746
+HK$538/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,416/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).