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$4,966
−HK$311/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$299/mo
▼ 0.25% · 3.875%
HK$5,672
−HK$151/mo
Today · 4.125%
HK$5,823
baseline
▲ 0.50% · 4.625%
HK$6,129
+HK$306/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,646/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$5,959
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,144
−HK$188/mo
Today · 4.125%
HK$6,332
baseline
▲ 0.50% · 4.625%
HK$6,718
+HK$386/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$6,807
−HK$180/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$6,952
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,168
−HK$220/mo
Today · 4.125%
HK$7,388
baseline
▲ 0.50% · 4.625%
HK$7,837
+HK$449/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$14,776/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$7,734
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,941
−HK$211/mo
Today · 4.125%
HK$8,152
baseline
▲ 0.50% · 4.625%
HK$8,581
+HK$429/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$16,304/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$538/mo
▼ 0.25% · 3.875%
HK$10,210
−HK$271/mo
Today · 4.125%
HK$10,481
baseline
▲ 0.50% · 4.625%
HK$11,033
+HK$552/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,962/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).