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$4,953
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,107
−HK$157/mo
Today · 4.125%
HK$5,264
baseline
▲ 0.50% · 4.625%
HK$5,584
+HK$320/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,528/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$5,510
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,658
−HK$150/mo
Today · 4.125%
HK$5,808
baseline
▲ 0.50% · 4.625%
HK$6,114
+HK$306/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,616/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$5,944
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,129
−HK$187/mo
Today · 4.125%
HK$6,316
baseline
▲ 0.50% · 4.625%
HK$6,701
+HK$385/mo
Deposit HK$869K · loan HK$1.30M · min. income ≈ HK$12,632/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,612
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,790
−HK$179/mo
Today · 4.125%
HK$6,969
baseline
▲ 0.50% · 4.625%
HK$7,337
+HK$368/mo
Deposit HK$869K · loan HK$1.30M · min. income ≈ HK$13,938/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,934
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,150
−HK$219/mo
Today · 4.125%
HK$7,369
baseline
▲ 0.50% · 4.625%
HK$7,817
+HK$448/mo
Deposit HK$652K · loan HK$1.52M · min. income ≈ HK$14,738/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,714
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,921
−HK$210/mo
Today · 4.125%
HK$8,131
baseline
▲ 0.50% · 4.625%
HK$8,560
+HK$429/mo
Deposit HK$652K · loan HK$1.52M · min. income ≈ HK$16,262/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,915
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,193
−HK$282/mo
Today · 4.125%
HK$9,475
baseline
▲ 0.50% · 4.625%
HK$10,051
+HK$576/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,950/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,918
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,184
−HK$270/mo
Today · 4.125%
HK$10,454
baseline
▲ 0.50% · 4.625%
HK$11,005
+HK$551/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,908/mo (50% DSR)
Upfront cash ≈ HK$217K (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).