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$4,979
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,134
−HK$158/mo
Today · 4.125%
HK$5,292
baseline
▲ 0.50% · 4.625%
HK$5,614
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,584/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$5,539
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,688
−HK$151/mo
Today · 4.125%
HK$5,839
baseline
▲ 0.50% · 4.625%
HK$6,147
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,678/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$5,975
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,161
−HK$189/mo
Today · 4.125%
HK$6,350
baseline
▲ 0.50% · 4.625%
HK$6,736
+HK$386/mo
Deposit HK$873K · loan HK$1.31M · min. income ≈ HK$12,700/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,647
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,826
−HK$181/mo
Today · 4.125%
HK$7,007
baseline
▲ 0.50% · 4.625%
HK$7,376
+HK$369/mo
Deposit HK$873K · loan HK$1.31M · min. income ≈ HK$14,014/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,971
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,188
−HK$220/mo
Today · 4.125%
HK$7,408
baseline
▲ 0.50% · 4.625%
HK$7,859
+HK$451/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$14,816/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,755
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,963
−HK$211/mo
Today · 4.125%
HK$8,174
baseline
▲ 0.50% · 4.625%
HK$8,605
+HK$431/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$16,348/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,963
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,242
−HK$283/mo
Today · 4.125%
HK$9,525
baseline
▲ 0.50% · 4.625%
HK$10,104
+HK$579/mo
Deposit HK$218K · loan HK$1.97M · min. income ≈ HK$19,050/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$9,971
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,238
−HK$272/mo
Today · 4.125%
HK$10,510
baseline
▲ 0.50% · 4.625%
HK$11,064
+HK$554/mo
Deposit HK$218K · loan HK$1.97M · min. income ≈ HK$21,020/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).