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$4,840
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,990
−HK$153/mo
Today · 4.125%
HK$5,143
baseline
▲ 0.50% · 4.625%
HK$5,456
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,286/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$5,384
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,529
−HK$146/mo
Today · 4.125%
HK$5,675
baseline
▲ 0.50% · 4.625%
HK$5,974
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,350/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$5,808
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,988
−HK$184/mo
Today · 4.125%
HK$6,172
baseline
▲ 0.50% · 4.625%
HK$6,548
+HK$376/mo
Deposit HK$849K · loan HK$1.27M · min. income ≈ HK$12,344/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,461
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,634
−HK$176/mo
Today · 4.125%
HK$6,810
baseline
▲ 0.50% · 4.625%
HK$7,169
+HK$359/mo
Deposit HK$849K · loan HK$1.27M · min. income ≈ HK$13,620/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,776
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,986
−HK$215/mo
Today · 4.125%
HK$7,201
baseline
▲ 0.50% · 4.625%
HK$7,639
+HK$438/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$14,402/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,538
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,740
−HK$205/mo
Today · 4.125%
HK$7,945
baseline
▲ 0.50% · 4.625%
HK$8,364
+HK$419/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$15,890/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,712
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,983
−HK$275/mo
Today · 4.125%
HK$9,258
baseline
▲ 0.50% · 4.625%
HK$9,821
+HK$563/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,516/mo (50% DSR)
Upfront cash ≈ HK$212K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,692
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,952
−HK$263/mo
Today · 4.125%
HK$10,215
baseline
▲ 0.50% · 4.625%
HK$10,754
+HK$539/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,430/mo (50% DSR)
Upfront cash ≈ HK$212K (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).