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$4,969
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,123
−HK$157/mo
Today · 4.125%
HK$5,280
baseline
▲ 0.50% · 4.625%
HK$5,602
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,560/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$5,528
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,676
−HK$150/mo
Today · 4.125%
HK$5,826
baseline
▲ 0.50% · 4.625%
HK$6,134
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,652/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$5,963
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,148
−HK$189/mo
Today · 4.125%
HK$6,337
baseline
▲ 0.50% · 4.625%
HK$6,722
+HK$385/mo
Deposit HK$872K · loan HK$1.31M · min. income ≈ HK$12,674/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,633
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,811
−HK$181/mo
Today · 4.125%
HK$6,992
baseline
▲ 0.50% · 4.625%
HK$7,360
+HK$368/mo
Deposit HK$872K · loan HK$1.31M · min. income ≈ HK$13,984/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,956
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,173
−HK$220/mo
Today · 4.125%
HK$7,393
baseline
▲ 0.50% · 4.625%
HK$7,842
+HK$449/mo
Deposit HK$654K · loan HK$1.53M · min. income ≈ HK$14,786/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,739
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,946
−HK$211/mo
Today · 4.125%
HK$8,157
baseline
▲ 0.50% · 4.625%
HK$8,587
+HK$430/mo
Deposit HK$654K · loan HK$1.53M · min. income ≈ HK$16,314/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,944
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,222
−HK$283/mo
Today · 4.125%
HK$9,505
baseline
▲ 0.50% · 4.625%
HK$10,083
+HK$578/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$19,010/mo (50% DSR)
Upfront cash ≈ HK$218K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,950
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,217
−HK$271/mo
Today · 4.125%
HK$10,488
baseline
▲ 0.50% · 4.625%
HK$11,040
+HK$552/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,976/mo (50% DSR)
Upfront cash ≈ HK$218K (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).