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$4,843
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,994
−HK$153/mo
Today · 4.125%
HK$5,147
baseline
▲ 0.50% · 4.625%
HK$5,460
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,294/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$5,388
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,533
−HK$146/mo
Today · 4.125%
HK$5,679
baseline
▲ 0.50% · 4.625%
HK$5,979
+HK$300/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,358/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$5,812
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,993
−HK$184/mo
Today · 4.125%
HK$6,177
baseline
▲ 0.50% · 4.625%
HK$6,552
+HK$375/mo
Deposit HK$850K · loan HK$1.27M · min. income ≈ HK$12,354/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,466
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,639
−HK$176/mo
Today · 4.125%
HK$6,815
baseline
▲ 0.50% · 4.625%
HK$7,175
+HK$360/mo
Deposit HK$850K · loan HK$1.27M · min. income ≈ HK$13,630/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,781
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,992
−HK$214/mo
Today · 4.125%
HK$7,206
baseline
▲ 0.50% · 4.625%
HK$7,645
+HK$439/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$14,412/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$7,544
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,746
−HK$205/mo
Today · 4.125%
HK$7,951
baseline
▲ 0.50% · 4.625%
HK$8,370
+HK$419/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$15,902/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$8,718
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,989
−HK$276/mo
Today · 4.125%
HK$9,265
baseline
▲ 0.50% · 4.625%
HK$9,829
+HK$564/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,530/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$9,699
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,959
−HK$264/mo
Today · 4.125%
HK$10,223
baseline
▲ 0.50% · 4.625%
HK$10,762
+HK$539/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,446/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).