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$4,848
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,999
−HK$153/mo
Today · 4.125%
HK$5,152
baseline
▲ 0.50% · 4.625%
HK$5,465
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,304/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$5,393
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,538
−HK$147/mo
Today · 4.125%
HK$5,685
baseline
▲ 0.50% · 4.625%
HK$5,984
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,370/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$5,818
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,999
−HK$183/mo
Today · 4.125%
HK$6,182
baseline
▲ 0.50% · 4.625%
HK$6,559
+HK$377/mo
Deposit HK$850K · loan HK$1.28M · min. income ≈ HK$12,364/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,472
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,646
−HK$176/mo
Today · 4.125%
HK$6,822
baseline
▲ 0.50% · 4.625%
HK$7,181
+HK$359/mo
Deposit HK$850K · loan HK$1.28M · min. income ≈ HK$13,644/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,787
−HK$426/mo
▼ 0.25% · 3.875%
HK$6,998
−HK$215/mo
Today · 4.125%
HK$7,213
baseline
▲ 0.50% · 4.625%
HK$7,652
+HK$439/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$14,426/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,551
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,753
−HK$206/mo
Today · 4.125%
HK$7,959
baseline
▲ 0.50% · 4.625%
HK$8,378
+HK$419/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$15,918/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,726
−HK$548/mo
▼ 0.25% · 3.875%
HK$8,998
−HK$276/mo
Today · 4.125%
HK$9,274
baseline
▲ 0.50% · 4.625%
HK$9,838
+HK$564/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$18,548/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$9,708
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,968
−HK$264/mo
Today · 4.125%
HK$10,232
baseline
▲ 0.50% · 4.625%
HK$10,772
+HK$540/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$20,464/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).