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$4,841
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,991
−HK$153/mo
Today · 4.125%
HK$5,144
baseline
▲ 0.50% · 4.625%
HK$5,457
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,288/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$5,385
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,529
−HK$147/mo
Today · 4.125%
HK$5,676
baseline
▲ 0.50% · 4.625%
HK$5,975
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,352/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$5,809
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,989
−HK$184/mo
Today · 4.125%
HK$6,173
baseline
▲ 0.50% · 4.625%
HK$6,549
+HK$376/mo
Deposit HK$849K · loan HK$1.27M · min. income ≈ HK$12,346/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$6,462
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,635
−HK$176/mo
Today · 4.125%
HK$6,811
baseline
▲ 0.50% · 4.625%
HK$7,170
+HK$359/mo
Deposit HK$849K · loan HK$1.27M · min. income ≈ HK$13,622/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$6,777
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,988
−HK$214/mo
Today · 4.125%
HK$7,202
baseline
▲ 0.50% · 4.625%
HK$7,640
+HK$438/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$14,404/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$7,539
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,741
−HK$205/mo
Today · 4.125%
HK$7,946
baseline
▲ 0.50% · 4.625%
HK$8,365
+HK$419/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$15,892/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$8,713
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,984
−HK$275/mo
Today · 4.125%
HK$9,259
baseline
▲ 0.50% · 4.625%
HK$9,823
+HK$564/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,518/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$9,693
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,953
−HK$264/mo
Today · 4.125%
HK$10,217
baseline
▲ 0.50% · 4.625%
HK$10,755
+HK$538/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,434/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).