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$4,840
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,990
−HK$153/mo
Today · 4.125%
HK$5,143
baseline
▲ 0.50% · 4.625%
HK$5,456
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,286/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$5,384
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,528
−HK$147/mo
Today · 4.125%
HK$5,675
baseline
▲ 0.50% · 4.625%
HK$5,974
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,350/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$5,807
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,988
−HK$184/mo
Today · 4.125%
HK$6,172
baseline
▲ 0.50% · 4.625%
HK$6,547
+HK$375/mo
Deposit HK$849K · loan HK$1.27M · min. income ≈ HK$12,344/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$6,461
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,634
−HK$176/mo
Today · 4.125%
HK$6,810
baseline
▲ 0.50% · 4.625%
HK$7,169
+HK$359/mo
Deposit HK$849K · loan HK$1.27M · min. income ≈ HK$13,620/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$6,775
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,986
−HK$214/mo
Today · 4.125%
HK$7,200
baseline
▲ 0.50% · 4.625%
HK$7,638
+HK$438/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$14,400/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$7,537
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,740
−HK$205/mo
Today · 4.125%
HK$7,945
baseline
▲ 0.50% · 4.625%
HK$8,363
+HK$418/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$15,890/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$8,711
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,982
−HK$275/mo
Today · 4.125%
HK$9,257
baseline
▲ 0.50% · 4.625%
HK$9,821
+HK$564/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,514/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$9,691
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,951
−HK$264/mo
Today · 4.125%
HK$10,215
baseline
▲ 0.50% · 4.625%
HK$10,753
+HK$538/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,430/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).