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$4,967
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,122
−HK$157/mo
Today · 4.125%
HK$5,279
baseline
▲ 0.50% · 4.625%
HK$5,600
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,558/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$5,526
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,674
−HK$151/mo
Today · 4.125%
HK$5,825
baseline
▲ 0.50% · 4.625%
HK$6,132
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,650/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$5,961
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,146
−HK$189/mo
Today · 4.125%
HK$6,335
baseline
▲ 0.50% · 4.625%
HK$6,720
+HK$385/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$12,670/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,631
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,809
−HK$181/mo
Today · 4.125%
HK$6,990
baseline
▲ 0.50% · 4.625%
HK$7,358
+HK$368/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$13,980/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,954
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,171
−HK$219/mo
Today · 4.125%
HK$7,390
baseline
▲ 0.50% · 4.625%
HK$7,840
+HK$450/mo
Deposit HK$654K · loan HK$1.52M · min. income ≈ HK$14,780/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,736
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,944
−HK$210/mo
Today · 4.125%
HK$8,154
baseline
▲ 0.50% · 4.625%
HK$8,584
+HK$430/mo
Deposit HK$654K · loan HK$1.52M · min. income ≈ HK$16,308/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,941
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,219
−HK$283/mo
Today · 4.125%
HK$9,502
baseline
▲ 0.50% · 4.625%
HK$10,080
+HK$578/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$19,004/mo (50% DSR)
Upfront cash ≈ HK$218K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,947
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,214
−HK$270/mo
Today · 4.125%
HK$10,484
baseline
▲ 0.50% · 4.625%
HK$11,037
+HK$553/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,968/mo (50% DSR)
Upfront cash ≈ HK$218K (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).