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$4,837
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,987
−HK$153/mo
Today · 4.125%
HK$5,140
baseline
▲ 0.50% · 4.625%
HK$5,453
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,280/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$5,381
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,525
−HK$147/mo
Today · 4.125%
HK$5,672
baseline
▲ 0.50% · 4.625%
HK$5,971
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,344/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$5,804
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,985
−HK$183/mo
Today · 4.125%
HK$6,168
baseline
▲ 0.50% · 4.625%
HK$6,544
+HK$376/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$12,336/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$6,457
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,630
−HK$176/mo
Today · 4.125%
HK$6,806
baseline
▲ 0.50% · 4.625%
HK$7,165
+HK$359/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$13,612/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$6,772
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,982
−HK$214/mo
Today · 4.125%
HK$7,196
baseline
▲ 0.50% · 4.625%
HK$7,634
+HK$438/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$14,392/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$7,533
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,736
−HK$204/mo
Today · 4.125%
HK$7,940
baseline
▲ 0.50% · 4.625%
HK$8,359
+HK$419/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$15,880/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$8,706
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,977
−HK$275/mo
Today · 4.125%
HK$9,252
baseline
▲ 0.50% · 4.625%
HK$9,815
+HK$563/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,504/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$9,686
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,946
−HK$263/mo
Today · 4.125%
HK$10,209
baseline
▲ 0.50% · 4.625%
HK$10,747
+HK$538/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,418/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).