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$4,969
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,123
−HK$157/mo
Today · 4.125%
HK$5,280
baseline
▲ 0.50% · 4.625%
HK$5,601
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,560/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$5,527
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,676
−HK$150/mo
Today · 4.125%
HK$5,826
baseline
▲ 0.50% · 4.625%
HK$6,133
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,652/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$5,962
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,148
−HK$188/mo
Today · 4.125%
HK$6,336
baseline
▲ 0.50% · 4.625%
HK$6,722
+HK$386/mo
Deposit HK$872K · loan HK$1.31M · min. income ≈ HK$12,672/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,633
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,811
−HK$180/mo
Today · 4.125%
HK$6,991
baseline
▲ 0.50% · 4.625%
HK$7,360
+HK$369/mo
Deposit HK$872K · loan HK$1.31M · min. income ≈ HK$13,982/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,956
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,172
−HK$220/mo
Today · 4.125%
HK$7,392
baseline
▲ 0.50% · 4.625%
HK$7,842
+HK$450/mo
Deposit HK$654K · loan HK$1.53M · min. income ≈ HK$14,784/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,738
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,946
−HK$210/mo
Today · 4.125%
HK$8,156
baseline
▲ 0.50% · 4.625%
HK$8,586
+HK$430/mo
Deposit HK$654K · loan HK$1.53M · min. income ≈ HK$16,312/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,943
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,222
−HK$282/mo
Today · 4.125%
HK$9,504
baseline
▲ 0.50% · 4.625%
HK$10,082
+HK$578/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$19,008/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$9,949
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,216
−HK$271/mo
Today · 4.125%
HK$10,487
baseline
▲ 0.50% · 4.625%
HK$11,040
+HK$553/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,974/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).