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$4,822
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,972
−HK$152/mo
Today · 4.125%
HK$5,124
baseline
▲ 0.50% · 4.625%
HK$5,436
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,248/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$5,365
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,508
−HK$146/mo
Today · 4.125%
HK$5,654
baseline
▲ 0.50% · 4.625%
HK$5,952
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,308/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$5,787
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,967
−HK$182/mo
Today · 4.125%
HK$6,149
baseline
▲ 0.50% · 4.625%
HK$6,524
+HK$375/mo
Deposit HK$846K · loan HK$1.27M · min. income ≈ HK$12,298/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,437
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,610
−HK$175/mo
Today · 4.125%
HK$6,785
baseline
▲ 0.50% · 4.625%
HK$7,143
+HK$358/mo
Deposit HK$846K · loan HK$1.27M · min. income ≈ HK$13,570/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,751
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,961
−HK$213/mo
Today · 4.125%
HK$7,174
baseline
▲ 0.50% · 4.625%
HK$7,611
+HK$437/mo
Deposit HK$634K · loan HK$1.48M · min. income ≈ HK$14,348/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,510
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,712
−HK$204/mo
Today · 4.125%
HK$7,916
baseline
▲ 0.50% · 4.625%
HK$8,333
+HK$417/mo
Deposit HK$634K · loan HK$1.48M · min. income ≈ HK$15,832/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,680
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,950
−HK$274/mo
Today · 4.125%
HK$9,224
baseline
▲ 0.50% · 4.625%
HK$9,785
+HK$561/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,448/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$9,656
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,915
−HK$263/mo
Today · 4.125%
HK$10,178
baseline
▲ 0.50% · 4.625%
HK$10,714
+HK$536/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,356/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).