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$4,972
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,126
−HK$158/mo
Today · 4.125%
HK$5,284
baseline
▲ 0.50% · 4.625%
HK$5,605
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,568/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$5,531
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,679
−HK$151/mo
Today · 4.125%
HK$5,830
baseline
▲ 0.50% · 4.625%
HK$6,137
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,660/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$5,966
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,152
−HK$188/mo
Today · 4.125%
HK$6,340
baseline
▲ 0.50% · 4.625%
HK$6,726
+HK$386/mo
Deposit HK$872K · loan HK$1.31M · min. income ≈ HK$12,680/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$6,637
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,815
−HK$181/mo
Today · 4.125%
HK$6,996
baseline
▲ 0.50% · 4.625%
HK$7,365
+HK$369/mo
Deposit HK$872K · loan HK$1.31M · min. income ≈ HK$13,992/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$6,961
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,177
−HK$220/mo
Today · 4.125%
HK$7,397
baseline
▲ 0.50% · 4.625%
HK$7,847
+HK$450/mo
Deposit HK$654K · loan HK$1.53M · min. income ≈ HK$14,794/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$7,744
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,951
−HK$211/mo
Today · 4.125%
HK$8,162
baseline
▲ 0.50% · 4.625%
HK$8,592
+HK$430/mo
Deposit HK$654K · loan HK$1.53M · min. income ≈ HK$16,324/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$8,949
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,228
−HK$282/mo
Today · 4.125%
HK$9,510
baseline
▲ 0.50% · 4.625%
HK$10,089
+HK$579/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$19,020/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$9,956
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,223
−HK$271/mo
Today · 4.125%
HK$10,494
baseline
▲ 0.50% · 4.625%
HK$11,047
+HK$553/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,988/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).