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$4,952
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,106
−HK$156/mo
Today · 4.125%
HK$5,262
baseline
▲ 0.50% · 4.625%
HK$5,583
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,524/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$5,509
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,657
−HK$150/mo
Today · 4.125%
HK$5,807
baseline
▲ 0.50% · 4.625%
HK$6,113
+HK$306/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,614/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$5,942
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,127
−HK$188/mo
Today · 4.125%
HK$6,315
baseline
▲ 0.50% · 4.625%
HK$6,699
+HK$384/mo
Deposit HK$869K · loan HK$1.30M · min. income ≈ HK$12,630/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,611
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,788
−HK$180/mo
Today · 4.125%
HK$6,968
baseline
▲ 0.50% · 4.625%
HK$7,335
+HK$367/mo
Deposit HK$869K · loan HK$1.30M · min. income ≈ HK$13,936/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,933
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,148
−HK$219/mo
Today · 4.125%
HK$7,367
baseline
▲ 0.50% · 4.625%
HK$7,816
+HK$449/mo
Deposit HK$651K · loan HK$1.52M · min. income ≈ HK$14,734/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,712
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,919
−HK$210/mo
Today · 4.125%
HK$8,129
baseline
▲ 0.50% · 4.625%
HK$8,558
+HK$429/mo
Deposit HK$651K · loan HK$1.52M · min. income ≈ HK$16,258/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,913
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,191
−HK$281/mo
Today · 4.125%
HK$9,472
baseline
▲ 0.50% · 4.625%
HK$10,049
+HK$577/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,944/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,916
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,182
−HK$270/mo
Today · 4.125%
HK$10,452
baseline
▲ 0.50% · 4.625%
HK$11,003
+HK$551/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,904/mo (50% DSR)
Upfront cash ≈ HK$217K (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).