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$4,978
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,133
−HK$157/mo
Today · 4.125%
HK$5,290
baseline
▲ 0.50% · 4.625%
HK$5,612
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,580/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$5,538
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,687
−HK$150/mo
Today · 4.125%
HK$5,837
baseline
▲ 0.50% · 4.625%
HK$6,145
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,674/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$5,974
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,160
−HK$188/mo
Today · 4.125%
HK$6,348
baseline
▲ 0.50% · 4.625%
HK$6,735
+HK$387/mo
Deposit HK$873K · loan HK$1.31M · min. income ≈ HK$12,696/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,646
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,824
−HK$181/mo
Today · 4.125%
HK$7,005
baseline
▲ 0.50% · 4.625%
HK$7,374
+HK$369/mo
Deposit HK$873K · loan HK$1.31M · min. income ≈ HK$14,010/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,969
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,186
−HK$220/mo
Today · 4.125%
HK$7,406
baseline
▲ 0.50% · 4.625%
HK$7,857
+HK$451/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$14,812/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,753
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,961
−HK$211/mo
Today · 4.125%
HK$8,172
baseline
▲ 0.50% · 4.625%
HK$8,603
+HK$431/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$16,344/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,961
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,239
−HK$284/mo
Today · 4.125%
HK$9,523
baseline
▲ 0.50% · 4.625%
HK$10,102
+HK$579/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$19,046/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$9,969
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,236
−HK$271/mo
Today · 4.125%
HK$10,507
baseline
▲ 0.50% · 4.625%
HK$11,061
+HK$554/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$21,014/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).