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$4,829
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,980
−HK$152/mo
Today · 4.125%
HK$5,132
baseline
▲ 0.50% · 4.625%
HK$5,444
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,264/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$5,373
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,517
−HK$146/mo
Today · 4.125%
HK$5,663
baseline
▲ 0.50% · 4.625%
HK$5,961
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,326/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$5,795
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,975
−HK$184/mo
Today · 4.125%
HK$6,159
baseline
▲ 0.50% · 4.625%
HK$6,533
+HK$374/mo
Deposit HK$847K · loan HK$1.27M · min. income ≈ HK$12,318/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,447
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,620
−HK$175/mo
Today · 4.125%
HK$6,795
baseline
▲ 0.50% · 4.625%
HK$7,154
+HK$359/mo
Deposit HK$847K · loan HK$1.27M · min. income ≈ HK$13,590/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,761
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,971
−HK$214/mo
Today · 4.125%
HK$7,185
baseline
▲ 0.50% · 4.625%
HK$7,622
+HK$437/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$14,370/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,522
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,723
−HK$205/mo
Today · 4.125%
HK$7,928
baseline
▲ 0.50% · 4.625%
HK$8,346
+HK$418/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$15,856/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,693
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,963
−HK$275/mo
Today · 4.125%
HK$9,238
baseline
▲ 0.50% · 4.625%
HK$9,800
+HK$562/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,476/mo (50% DSR)
Upfront cash ≈ HK$212K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,671
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,930
−HK$263/mo
Today · 4.125%
HK$10,193
baseline
▲ 0.50% · 4.625%
HK$10,730
+HK$537/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,386/mo (50% DSR)
Upfront cash ≈ HK$212K (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).