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$5,525
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,673
−HK$150/mo
Today · 4.125%
HK$5,823
baseline
▲ 0.50% · 4.625%
HK$6,130
+HK$307/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$374/mo
▼ 0.25% · 3.875%
HK$6,144
−HK$189/mo
Today · 4.125%
HK$6,333
baseline
▲ 0.50% · 4.625%
HK$6,718
+HK$385/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$12,666/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$359/mo
▼ 0.25% · 3.875%
HK$6,807
−HK$181/mo
Today · 4.125%
HK$6,988
baseline
▲ 0.50% · 4.625%
HK$7,356
+HK$368/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$13,976/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$7,169
−HK$219/mo
Today · 4.125%
HK$7,388
baseline
▲ 0.50% · 4.625%
HK$7,838
+HK$450/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$7,942
−HK$210/mo
Today · 4.125%
HK$8,152
baseline
▲ 0.50% · 4.625%
HK$8,582
+HK$430/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$8,939
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,217
−HK$282/mo
Today · 4.125%
HK$9,499
baseline
▲ 0.50% · 4.625%
HK$10,077
+HK$578/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$18,998/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$9,944
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,211
−HK$270/mo
Today · 4.125%
HK$10,481
baseline
▲ 0.50% · 4.625%
HK$11,034
+HK$553/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).