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$4,844
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,995
−HK$153/mo
Today · 4.125%
HK$5,148
baseline
▲ 0.50% · 4.625%
HK$5,461
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,296/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$5,389
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,534
−HK$146/mo
Today · 4.125%
HK$5,680
baseline
▲ 0.50% · 4.625%
HK$5,980
+HK$300/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,360/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$5,813
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,994
−HK$184/mo
Today · 4.125%
HK$6,178
baseline
▲ 0.50% · 4.625%
HK$6,554
+HK$376/mo
Deposit HK$850K · loan HK$1.27M · min. income ≈ HK$12,356/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,467
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,640
−HK$176/mo
Today · 4.125%
HK$6,816
baseline
▲ 0.50% · 4.625%
HK$7,176
+HK$360/mo
Deposit HK$850K · loan HK$1.27M · min. income ≈ HK$13,632/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,782
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,993
−HK$214/mo
Today · 4.125%
HK$7,207
baseline
▲ 0.50% · 4.625%
HK$7,646
+HK$439/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$14,414/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$7,545
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,747
−HK$205/mo
Today · 4.125%
HK$7,952
baseline
▲ 0.50% · 4.625%
HK$8,372
+HK$420/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$15,904/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$8,720
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,991
−HK$275/mo
Today · 4.125%
HK$9,266
baseline
▲ 0.50% · 4.625%
HK$9,830
+HK$564/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,532/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,701
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,961
−HK$264/mo
Today · 4.125%
HK$10,225
baseline
▲ 0.50% · 4.625%
HK$10,764
+HK$539/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,450/mo (50% DSR)
Upfront cash ≈ HK$213K (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).