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$4,954
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,108
−HK$156/mo
Today · 4.125%
HK$5,264
baseline
▲ 0.50% · 4.625%
HK$5,585
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,528/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$5,511
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,659
−HK$150/mo
Today · 4.125%
HK$5,809
baseline
▲ 0.50% · 4.625%
HK$6,115
+HK$306/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,618/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$5,945
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,130
−HK$187/mo
Today · 4.125%
HK$6,317
baseline
▲ 0.50% · 4.625%
HK$6,702
+HK$385/mo
Deposit HK$869K · loan HK$1.30M · min. income ≈ HK$12,634/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,613
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,791
−HK$180/mo
Today · 4.125%
HK$6,971
baseline
▲ 0.50% · 4.625%
HK$7,338
+HK$367/mo
Deposit HK$869K · loan HK$1.30M · min. income ≈ HK$13,942/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,935
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,151
−HK$219/mo
Today · 4.125%
HK$7,370
baseline
▲ 0.50% · 4.625%
HK$7,819
+HK$449/mo
Deposit HK$652K · loan HK$1.52M · min. income ≈ HK$14,740/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,716
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,922
−HK$210/mo
Today · 4.125%
HK$8,132
baseline
▲ 0.50% · 4.625%
HK$8,561
+HK$429/mo
Deposit HK$652K · loan HK$1.52M · min. income ≈ HK$16,264/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,917
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,194
−HK$282/mo
Today · 4.125%
HK$9,476
baseline
▲ 0.50% · 4.625%
HK$10,053
+HK$577/mo
Deposit HK$217K · loan HK$1.96M · min. income ≈ HK$18,952/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,920
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,186
−HK$270/mo
Today · 4.125%
HK$10,456
baseline
▲ 0.50% · 4.625%
HK$11,007
+HK$551/mo
Deposit HK$217K · loan HK$1.96M · min. income ≈ HK$20,912/mo (50% DSR)
Upfront cash ≈ HK$217K (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).