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$4,823
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,973
−HK$153/mo
Today · 4.125%
HK$5,126
baseline
▲ 0.50% · 4.625%
HK$5,438
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,252/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$5,366
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,510
−HK$146/mo
Today · 4.125%
HK$5,656
baseline
▲ 0.50% · 4.625%
HK$5,954
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,312/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$5,788
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,968
−HK$183/mo
Today · 4.125%
HK$6,151
baseline
▲ 0.50% · 4.625%
HK$6,525
+HK$374/mo
Deposit HK$846K · loan HK$1.27M · min. income ≈ HK$12,302/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,439
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,612
−HK$175/mo
Today · 4.125%
HK$6,787
baseline
▲ 0.50% · 4.625%
HK$7,145
+HK$358/mo
Deposit HK$846K · loan HK$1.27M · min. income ≈ HK$13,574/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,753
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,963
−HK$213/mo
Today · 4.125%
HK$7,176
baseline
▲ 0.50% · 4.625%
HK$7,613
+HK$437/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$14,352/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$7,512
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,714
−HK$204/mo
Today · 4.125%
HK$7,918
baseline
▲ 0.50% · 4.625%
HK$8,336
+HK$418/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$15,836/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$8,682
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,952
−HK$274/mo
Today · 4.125%
HK$9,226
baseline
▲ 0.50% · 4.625%
HK$9,788
+HK$562/mo
Deposit HK$212K · loan HK$1.90M · min. income ≈ HK$18,452/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$9,659
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,918
−HK$263/mo
Today · 4.125%
HK$10,181
baseline
▲ 0.50% · 4.625%
HK$10,717
+HK$536/mo
Deposit HK$212K · loan HK$1.90M · min. income ≈ HK$20,362/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).