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$4,984
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,139
−HK$157/mo
Today · 4.125%
HK$5,296
baseline
▲ 0.50% · 4.625%
HK$5,619
+HK$323/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,592/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$5,544
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,693
−HK$151/mo
Today · 4.125%
HK$5,844
baseline
▲ 0.50% · 4.625%
HK$6,152
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,688/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$5,981
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,167
−HK$189/mo
Today · 4.125%
HK$6,356
baseline
▲ 0.50% · 4.625%
HK$6,742
+HK$386/mo
Deposit HK$874K · loan HK$1.31M · min. income ≈ HK$12,712/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$6,653
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,832
−HK$181/mo
Today · 4.125%
HK$7,013
baseline
▲ 0.50% · 4.625%
HK$7,382
+HK$369/mo
Deposit HK$874K · loan HK$1.31M · min. income ≈ HK$14,026/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$6,977
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,194
−HK$221/mo
Today · 4.125%
HK$7,415
baseline
▲ 0.50% · 4.625%
HK$7,866
+HK$451/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$14,830/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,762
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,970
−HK$212/mo
Today · 4.125%
HK$8,182
baseline
▲ 0.50% · 4.625%
HK$8,613
+HK$431/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$16,364/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,971
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,250
−HK$283/mo
Today · 4.125%
HK$9,533
baseline
▲ 0.50% · 4.625%
HK$10,114
+HK$581/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,066/mo (50% DSR)
Upfront cash ≈ HK$219K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,980
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,248
−HK$271/mo
Today · 4.125%
HK$10,519
baseline
▲ 0.50% · 4.625%
HK$11,074
+HK$555/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,038/mo (50% DSR)
Upfront cash ≈ HK$219K (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).