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$4,980
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,135
−HK$157/mo
Today · 4.125%
HK$5,292
baseline
▲ 0.50% · 4.625%
HK$5,615
+HK$323/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,584/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$5,540
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,689
−HK$151/mo
Today · 4.125%
HK$5,840
baseline
▲ 0.50% · 4.625%
HK$6,148
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,680/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$5,976
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,162
−HK$189/mo
Today · 4.125%
HK$6,351
baseline
▲ 0.50% · 4.625%
HK$6,737
+HK$386/mo
Deposit HK$874K · loan HK$1.31M · min. income ≈ HK$12,702/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,649
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,827
−HK$181/mo
Today · 4.125%
HK$7,008
baseline
▲ 0.50% · 4.625%
HK$7,377
+HK$369/mo
Deposit HK$874K · loan HK$1.31M · min. income ≈ HK$14,016/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,972
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,189
−HK$220/mo
Today · 4.125%
HK$7,409
baseline
▲ 0.50% · 4.625%
HK$7,860
+HK$451/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$14,818/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,757
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,965
−HK$211/mo
Today · 4.125%
HK$8,176
baseline
▲ 0.50% · 4.625%
HK$8,607
+HK$431/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$16,352/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,964
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,243
−HK$283/mo
Today · 4.125%
HK$9,526
baseline
▲ 0.50% · 4.625%
HK$10,106
+HK$580/mo
Deposit HK$218K · loan HK$1.97M · min. income ≈ HK$19,052/mo (50% DSR)
Upfront cash ≈ HK$219K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,973
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,240
−HK$272/mo
Today · 4.125%
HK$10,512
baseline
▲ 0.50% · 4.625%
HK$11,066
+HK$554/mo
Deposit HK$218K · loan HK$1.97M · min. income ≈ HK$21,024/mo (50% DSR)
Upfront cash ≈ HK$219K (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).