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$4,965
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,120
−HK$157/mo
Today · 4.125%
HK$5,277
baseline
▲ 0.50% · 4.625%
HK$5,598
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,554/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$5,524
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,672
−HK$150/mo
Today · 4.125%
HK$5,822
baseline
▲ 0.50% · 4.625%
HK$6,129
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,644/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$5,958
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,144
−HK$188/mo
Today · 4.125%
HK$6,332
baseline
▲ 0.50% · 4.625%
HK$6,717
+HK$385/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$12,664/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,629
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,806
−HK$181/mo
Today · 4.125%
HK$6,987
baseline
▲ 0.50% · 4.625%
HK$7,355
+HK$368/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$13,974/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,951
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,168
−HK$219/mo
Today · 4.125%
HK$7,387
baseline
▲ 0.50% · 4.625%
HK$7,837
+HK$450/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$14,774/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$7,733
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,941
−HK$210/mo
Today · 4.125%
HK$8,151
baseline
▲ 0.50% · 4.625%
HK$8,581
+HK$430/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$16,302/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$8,938
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,216
−HK$282/mo
Today · 4.125%
HK$9,498
baseline
▲ 0.50% · 4.625%
HK$10,076
+HK$578/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$18,996/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$9,943
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,210
−HK$270/mo
Today · 4.125%
HK$10,480
baseline
▲ 0.50% · 4.625%
HK$11,033
+HK$553/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,960/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).