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$4,966
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,121
−HK$157/mo
Today · 4.125%
HK$5,278
baseline
▲ 0.50% · 4.625%
HK$5,599
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,556/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$5,525
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,673
−HK$151/mo
Today · 4.125%
HK$5,824
baseline
▲ 0.50% · 4.625%
HK$6,131
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,648/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$5,960
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,145
−HK$188/mo
Today · 4.125%
HK$6,333
baseline
▲ 0.50% · 4.625%
HK$6,719
+HK$386/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$12,666/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,630
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,808
−HK$180/mo
Today · 4.125%
HK$6,988
baseline
▲ 0.50% · 4.625%
HK$7,357
+HK$369/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$13,976/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,953
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,169
−HK$220/mo
Today · 4.125%
HK$7,389
baseline
▲ 0.50% · 4.625%
HK$7,839
+HK$450/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$14,778/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$7,735
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,943
−HK$210/mo
Today · 4.125%
HK$8,153
baseline
▲ 0.50% · 4.625%
HK$8,583
+HK$430/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$16,306/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$8,940
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,218
−HK$282/mo
Today · 4.125%
HK$9,500
baseline
▲ 0.50% · 4.625%
HK$10,078
+HK$578/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$19,000/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$9,945
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,212
−HK$270/mo
Today · 4.125%
HK$10,482
baseline
▲ 0.50% · 4.625%
HK$11,035
+HK$553/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,964/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).