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$4,831
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,981
−HK$153/mo
Today · 4.125%
HK$5,134
baseline
▲ 0.50% · 4.625%
HK$5,446
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,268/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$5,374
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,518
−HK$147/mo
Today · 4.125%
HK$5,665
baseline
▲ 0.50% · 4.625%
HK$5,963
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,330/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$5,797
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,977
−HK$184/mo
Today · 4.125%
HK$6,161
baseline
▲ 0.50% · 4.625%
HK$6,535
+HK$374/mo
Deposit HK$847K · loan HK$1.27M · min. income ≈ HK$12,322/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,449
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,622
−HK$176/mo
Today · 4.125%
HK$6,798
baseline
▲ 0.50% · 4.625%
HK$7,156
+HK$358/mo
Deposit HK$847K · loan HK$1.27M · min. income ≈ HK$13,596/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,763
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,974
−HK$213/mo
Today · 4.125%
HK$7,187
baseline
▲ 0.50% · 4.625%
HK$7,625
+HK$438/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$14,374/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,524
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,726
−HK$204/mo
Today · 4.125%
HK$7,930
baseline
▲ 0.50% · 4.625%
HK$8,348
+HK$418/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$15,860/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,695
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,966
−HK$275/mo
Today · 4.125%
HK$9,241
baseline
▲ 0.50% · 4.625%
HK$9,803
+HK$562/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,482/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$9,674
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,933
−HK$263/mo
Today · 4.125%
HK$10,196
baseline
▲ 0.50% · 4.625%
HK$10,734
+HK$538/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,392/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).