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$4,844
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,995
−HK$153/mo
Today · 4.125%
HK$5,148
baseline
▲ 0.50% · 4.625%
HK$5,461
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,296/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$5,389
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,533
−HK$147/mo
Today · 4.125%
HK$5,680
baseline
▲ 0.50% · 4.625%
HK$5,979
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,360/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$5,813
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,993
−HK$184/mo
Today · 4.125%
HK$6,177
baseline
▲ 0.50% · 4.625%
HK$6,553
+HK$376/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$6,467
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,640
−HK$176/mo
Today · 4.125%
HK$6,816
baseline
▲ 0.50% · 4.625%
HK$7,175
+HK$359/mo
Deposit HK$850K · loan HK$1.27M · min. income ≈ HK$13,632/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$426/mo
▼ 0.25% · 3.875%
HK$6,992
−HK$215/mo
Today · 4.125%
HK$7,207
baseline
▲ 0.50% · 4.625%
HK$7,645
+HK$438/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$14,414/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$408/mo
▼ 0.25% · 3.875%
HK$7,747
−HK$205/mo
Today · 4.125%
HK$7,952
baseline
▲ 0.50% · 4.625%
HK$8,371
+HK$419/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$15,904/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$8,719
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,990
−HK$276/mo
Today · 4.125%
HK$9,266
baseline
▲ 0.50% · 4.625%
HK$9,830
+HK$564/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,532/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$9,700
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,960
−HK$264/mo
Today · 4.125%
HK$10,224
baseline
▲ 0.50% · 4.625%
HK$10,763
+HK$539/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,448/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).