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$4,826
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,976
−HK$153/mo
Today · 4.125%
HK$5,129
baseline
▲ 0.50% · 4.625%
HK$5,441
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,258/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$5,369
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,513
−HK$146/mo
Today · 4.125%
HK$5,659
baseline
▲ 0.50% · 4.625%
HK$5,958
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,318/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$5,792
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,972
−HK$183/mo
Today · 4.125%
HK$6,155
baseline
▲ 0.50% · 4.625%
HK$6,529
+HK$374/mo
Deposit HK$847K · loan HK$1.27M · min. income ≈ HK$12,310/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$6,443
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,616
−HK$175/mo
Today · 4.125%
HK$6,791
baseline
▲ 0.50% · 4.625%
HK$7,149
+HK$358/mo
Deposit HK$847K · loan HK$1.27M · min. income ≈ HK$13,582/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$6,757
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,967
−HK$214/mo
Today · 4.125%
HK$7,181
baseline
▲ 0.50% · 4.625%
HK$7,617
+HK$436/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$14,362/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$7,517
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,719
−HK$204/mo
Today · 4.125%
HK$7,923
baseline
▲ 0.50% · 4.625%
HK$8,341
+HK$418/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$15,846/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$8,687
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,958
−HK$274/mo
Today · 4.125%
HK$9,232
baseline
▲ 0.50% · 4.625%
HK$9,794
+HK$562/mo
Deposit HK$212K · loan HK$1.90M · min. income ≈ HK$18,464/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$9,665
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,924
−HK$263/mo
Today · 4.125%
HK$10,187
baseline
▲ 0.50% · 4.625%
HK$10,724
+HK$537/mo
Deposit HK$212K · loan HK$1.90M · min. income ≈ HK$20,374/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).