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$4,851
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,002
−HK$153/mo
Today · 4.125%
HK$5,155
baseline
▲ 0.50% · 4.625%
HK$5,469
+HK$314/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,310/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$5,397
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,541
−HK$147/mo
Today · 4.125%
HK$5,688
baseline
▲ 0.50% · 4.625%
HK$5,988
+HK$300/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,376/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$5,821
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,002
−HK$184/mo
Today · 4.125%
HK$6,186
baseline
▲ 0.50% · 4.625%
HK$6,563
+HK$377/mo
Deposit HK$851K · loan HK$1.28M · min. income ≈ HK$12,372/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,476
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,650
−HK$176/mo
Today · 4.125%
HK$6,826
baseline
▲ 0.50% · 4.625%
HK$7,186
+HK$360/mo
Deposit HK$851K · loan HK$1.28M · min. income ≈ HK$13,652/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,791
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,003
−HK$214/mo
Today · 4.125%
HK$7,217
baseline
▲ 0.50% · 4.625%
HK$7,656
+HK$439/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$14,434/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,555
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,758
−HK$205/mo
Today · 4.125%
HK$7,963
baseline
▲ 0.50% · 4.625%
HK$8,383
+HK$420/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$15,926/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,732
−HK$547/mo
▼ 0.25% · 3.875%
HK$9,003
−HK$276/mo
Today · 4.125%
HK$9,279
baseline
▲ 0.50% · 4.625%
HK$9,844
+HK$565/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$18,558/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,714
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,974
−HK$265/mo
Today · 4.125%
HK$10,239
baseline
▲ 0.50% · 4.625%
HK$10,778
+HK$539/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$20,478/mo (50% DSR)
Upfront cash ≈ HK$213K (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).