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$4,838
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,989
−HK$153/mo
Today · 4.125%
HK$5,142
baseline
▲ 0.50% · 4.625%
HK$5,454
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,284/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$5,382
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,527
−HK$146/mo
Today · 4.125%
HK$5,673
baseline
▲ 0.50% · 4.625%
HK$5,972
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,346/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$5,806
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,986
−HK$184/mo
Today · 4.125%
HK$6,170
baseline
▲ 0.50% · 4.625%
HK$6,545
+HK$375/mo
Deposit HK$849K · loan HK$1.27M · min. income ≈ HK$12,340/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$6,459
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,632
−HK$176/mo
Today · 4.125%
HK$6,808
baseline
▲ 0.50% · 4.625%
HK$7,167
+HK$359/mo
Deposit HK$849K · loan HK$1.27M · min. income ≈ HK$13,616/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$6,773
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,984
−HK$214/mo
Today · 4.125%
HK$7,198
baseline
▲ 0.50% · 4.625%
HK$7,636
+HK$438/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$14,396/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$7,535
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,737
−HK$205/mo
Today · 4.125%
HK$7,942
baseline
▲ 0.50% · 4.625%
HK$8,361
+HK$419/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$15,884/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$8,709
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,980
−HK$275/mo
Today · 4.125%
HK$9,255
baseline
▲ 0.50% · 4.625%
HK$9,818
+HK$563/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,510/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$9,688
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,948
−HK$264/mo
Today · 4.125%
HK$10,212
baseline
▲ 0.50% · 4.625%
HK$10,750
+HK$538/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,424/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).