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$4,828
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,978
−HK$153/mo
Today · 4.125%
HK$5,131
baseline
▲ 0.50% · 4.625%
HK$5,443
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,262/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$5,371
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,515
−HK$147/mo
Today · 4.125%
HK$5,662
baseline
▲ 0.50% · 4.625%
HK$5,960
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,324/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$5,794
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,974
−HK$183/mo
Today · 4.125%
HK$6,157
baseline
▲ 0.50% · 4.625%
HK$6,532
+HK$375/mo
Deposit HK$847K · loan HK$1.27M · min. income ≈ HK$12,314/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,446
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,618
−HK$176/mo
Today · 4.125%
HK$6,794
baseline
▲ 0.50% · 4.625%
HK$7,152
+HK$358/mo
Deposit HK$847K · loan HK$1.27M · min. income ≈ HK$13,588/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,760
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,970
−HK$213/mo
Today · 4.125%
HK$7,183
baseline
▲ 0.50% · 4.625%
HK$7,620
+HK$437/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$14,366/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,520
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,722
−HK$204/mo
Today · 4.125%
HK$7,926
baseline
▲ 0.50% · 4.625%
HK$8,344
+HK$418/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$15,852/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,691
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,961
−HK$275/mo
Today · 4.125%
HK$9,236
baseline
▲ 0.50% · 4.625%
HK$9,798
+HK$562/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,472/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$9,668
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,928
−HK$263/mo
Today · 4.125%
HK$10,191
baseline
▲ 0.50% · 4.625%
HK$10,728
+HK$537/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,382/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).