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$4,833
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,983
−HK$153/mo
Today · 4.125%
HK$5,136
baseline
▲ 0.50% · 4.625%
HK$5,448
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,272/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$5,376
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,521
−HK$146/mo
Today · 4.125%
HK$5,667
baseline
▲ 0.50% · 4.625%
HK$5,966
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,334/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$5,799
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,980
−HK$183/mo
Today · 4.125%
HK$6,163
baseline
▲ 0.50% · 4.625%
HK$6,538
+HK$375/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$12,326/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,452
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,625
−HK$175/mo
Today · 4.125%
HK$6,800
baseline
▲ 0.50% · 4.625%
HK$7,159
+HK$359/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$13,600/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,766
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,976
−HK$214/mo
Today · 4.125%
HK$7,190
baseline
▲ 0.50% · 4.625%
HK$7,628
+HK$438/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$14,380/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,527
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,729
−HK$205/mo
Today · 4.125%
HK$7,934
baseline
▲ 0.50% · 4.625%
HK$8,352
+HK$418/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$15,868/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,699
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,970
−HK$274/mo
Today · 4.125%
HK$9,244
baseline
▲ 0.50% · 4.625%
HK$9,807
+HK$563/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,488/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$9,677
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,937
−HK$263/mo
Today · 4.125%
HK$10,200
baseline
▲ 0.50% · 4.625%
HK$10,738
+HK$538/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,400/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).