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$4,853
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,004
−HK$154/mo
Today · 4.125%
HK$5,158
baseline
▲ 0.50% · 4.625%
HK$5,472
+HK$314/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,316/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$5,399
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,544
−HK$147/mo
Today · 4.125%
HK$5,691
baseline
▲ 0.50% · 4.625%
HK$5,991
+HK$300/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,382/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$5,824
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,005
−HK$184/mo
Today · 4.125%
HK$6,189
baseline
▲ 0.50% · 4.625%
HK$6,566
+HK$377/mo
Deposit HK$851K · loan HK$1.28M · min. income ≈ HK$12,378/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$6,479
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,653
−HK$176/mo
Today · 4.125%
HK$6,829
baseline
▲ 0.50% · 4.625%
HK$7,189
+HK$360/mo
Deposit HK$851K · loan HK$1.28M · min. income ≈ HK$13,658/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$6,795
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,006
−HK$215/mo
Today · 4.125%
HK$7,221
baseline
▲ 0.50% · 4.625%
HK$7,660
+HK$439/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$14,442/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,559
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,762
−HK$206/mo
Today · 4.125%
HK$7,968
baseline
▲ 0.50% · 4.625%
HK$8,388
+HK$420/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$15,936/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,736
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,008
−HK$276/mo
Today · 4.125%
HK$9,284
baseline
▲ 0.50% · 4.625%
HK$9,849
+HK$565/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,568/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$9,719
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,980
−HK$264/mo
Today · 4.125%
HK$10,244
baseline
▲ 0.50% · 4.625%
HK$10,784
+HK$540/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,488/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).