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$4,978
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,132
−HK$158/mo
Today · 4.125%
HK$5,290
baseline
▲ 0.50% · 4.625%
HK$5,612
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,580/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$5,538
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,686
−HK$151/mo
Today · 4.125%
HK$5,837
baseline
▲ 0.50% · 4.625%
HK$6,144
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,674/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$5,973
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,159
−HK$189/mo
Today · 4.125%
HK$6,348
baseline
▲ 0.50% · 4.625%
HK$6,734
+HK$386/mo
Deposit HK$873K · loan HK$1.31M · min. income ≈ HK$12,696/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,645
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,823
−HK$181/mo
Today · 4.125%
HK$7,004
baseline
▲ 0.50% · 4.625%
HK$7,373
+HK$369/mo
Deposit HK$873K · loan HK$1.31M · min. income ≈ HK$14,008/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,969
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,185
−HK$221/mo
Today · 4.125%
HK$7,406
baseline
▲ 0.50% · 4.625%
HK$7,856
+HK$450/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$14,812/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,753
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,961
−HK$210/mo
Today · 4.125%
HK$8,171
baseline
▲ 0.50% · 4.625%
HK$8,602
+HK$431/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$16,342/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,960
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,238
−HK$284/mo
Today · 4.125%
HK$9,522
baseline
▲ 0.50% · 4.625%
HK$10,101
+HK$579/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$19,044/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$9,968
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,235
−HK$271/mo
Today · 4.125%
HK$10,506
baseline
▲ 0.50% · 4.625%
HK$11,060
+HK$554/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$21,012/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).