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$4,960
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,114
−HK$157/mo
Today · 4.125%
HK$5,271
baseline
▲ 0.50% · 4.625%
HK$5,591
+HK$320/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,542/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$5,517
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,665
−HK$151/mo
Today · 4.125%
HK$5,816
baseline
▲ 0.50% · 4.625%
HK$6,122
+HK$306/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,632/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$5,951
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,137
−HK$188/mo
Today · 4.125%
HK$6,325
baseline
▲ 0.50% · 4.625%
HK$6,709
+HK$384/mo
Deposit HK$870K · loan HK$1.30M · min. income ≈ HK$12,650/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,621
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,798
−HK$181/mo
Today · 4.125%
HK$6,979
baseline
▲ 0.50% · 4.625%
HK$7,346
+HK$367/mo
Deposit HK$870K · loan HK$1.30M · min. income ≈ HK$13,958/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,943
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,159
−HK$220/mo
Today · 4.125%
HK$7,379
baseline
▲ 0.50% · 4.625%
HK$7,828
+HK$449/mo
Deposit HK$652K · loan HK$1.52M · min. income ≈ HK$14,758/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,724
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,932
−HK$210/mo
Today · 4.125%
HK$8,142
baseline
▲ 0.50% · 4.625%
HK$8,571
+HK$429/mo
Deposit HK$652K · loan HK$1.52M · min. income ≈ HK$16,284/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,927
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,205
−HK$282/mo
Today · 4.125%
HK$9,487
baseline
▲ 0.50% · 4.625%
HK$10,064
+HK$577/mo
Deposit HK$217K · loan HK$1.96M · min. income ≈ HK$18,974/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$9,931
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,198
−HK$270/mo
Today · 4.125%
HK$10,468
baseline
▲ 0.50% · 4.625%
HK$11,020
+HK$552/mo
Deposit HK$217K · loan HK$1.96M · min. income ≈ HK$20,936/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).