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$4,842
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,992
−HK$153/mo
Today · 4.125%
HK$5,145
baseline
▲ 0.50% · 4.625%
HK$5,458
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,290/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$5,386
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,531
−HK$146/mo
Today · 4.125%
HK$5,677
baseline
▲ 0.50% · 4.625%
HK$5,977
+HK$300/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,354/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$5,810
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,991
−HK$183/mo
Today · 4.125%
HK$6,174
baseline
▲ 0.50% · 4.625%
HK$6,550
+HK$376/mo
Deposit HK$849K · loan HK$1.27M · min. income ≈ HK$12,348/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,464
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,637
−HK$176/mo
Today · 4.125%
HK$6,813
baseline
▲ 0.50% · 4.625%
HK$7,172
+HK$359/mo
Deposit HK$849K · loan HK$1.27M · min. income ≈ HK$13,626/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,778
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,989
−HK$214/mo
Today · 4.125%
HK$7,203
baseline
▲ 0.50% · 4.625%
HK$7,642
+HK$439/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$14,406/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,541
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,743
−HK$205/mo
Today · 4.125%
HK$7,948
baseline
▲ 0.50% · 4.625%
HK$8,367
+HK$419/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$15,896/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,715
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,986
−HK$275/mo
Today · 4.125%
HK$9,261
baseline
▲ 0.50% · 4.625%
HK$9,825
+HK$564/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,522/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$9,695
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,955
−HK$264/mo
Today · 4.125%
HK$10,219
baseline
▲ 0.50% · 4.625%
HK$10,758
+HK$539/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,438/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).