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$4,821
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,971
−HK$153/mo
Today · 4.125%
HK$5,124
baseline
▲ 0.50% · 4.625%
HK$5,435
+HK$311/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,248/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$5,364
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,507
−HK$146/mo
Today · 4.125%
HK$5,653
baseline
▲ 0.50% · 4.625%
HK$5,951
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,306/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$5,785
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,965
−HK$183/mo
Today · 4.125%
HK$6,148
baseline
▲ 0.50% · 4.625%
HK$6,522
+HK$374/mo
Deposit HK$846K · loan HK$1.27M · min. income ≈ HK$12,296/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,436
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,609
−HK$175/mo
Today · 4.125%
HK$6,784
baseline
▲ 0.50% · 4.625%
HK$7,142
+HK$358/mo
Deposit HK$846K · loan HK$1.27M · min. income ≈ HK$13,568/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,750
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,960
−HK$213/mo
Today · 4.125%
HK$7,173
baseline
▲ 0.50% · 4.625%
HK$7,609
+HK$436/mo
Deposit HK$634K · loan HK$1.48M · min. income ≈ HK$14,346/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,509
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,710
−HK$205/mo
Today · 4.125%
HK$7,915
baseline
▲ 0.50% · 4.625%
HK$8,332
+HK$417/mo
Deposit HK$634K · loan HK$1.48M · min. income ≈ HK$15,830/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,678
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,948
−HK$274/mo
Today · 4.125%
HK$9,222
baseline
▲ 0.50% · 4.625%
HK$9,784
+HK$562/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,444/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$9,654
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,913
−HK$263/mo
Today · 4.125%
HK$10,176
baseline
▲ 0.50% · 4.625%
HK$10,712
+HK$536/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,352/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).