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$4,833
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,983
−HK$153/mo
Today · 4.125%
HK$5,136
baseline
▲ 0.50% · 4.625%
HK$5,448
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,272/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$5,376
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,520
−HK$147/mo
Today · 4.125%
HK$5,667
baseline
▲ 0.50% · 4.625%
HK$5,965
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,334/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$5,799
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,979
−HK$184/mo
Today · 4.125%
HK$6,163
baseline
▲ 0.50% · 4.625%
HK$6,538
+HK$375/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$12,326/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$6,451
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,624
−HK$176/mo
Today · 4.125%
HK$6,800
baseline
▲ 0.50% · 4.625%
HK$7,158
+HK$358/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$13,600/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$6,766
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,976
−HK$214/mo
Today · 4.125%
HK$7,190
baseline
▲ 0.50% · 4.625%
HK$7,627
+HK$437/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$14,380/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$7,527
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,729
−HK$204/mo
Today · 4.125%
HK$7,933
baseline
▲ 0.50% · 4.625%
HK$8,352
+HK$419/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$15,866/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$8,699
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,969
−HK$275/mo
Today · 4.125%
HK$9,244
baseline
▲ 0.50% · 4.625%
HK$9,807
+HK$563/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,488/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$9,677
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,937
−HK$263/mo
Today · 4.125%
HK$10,200
baseline
▲ 0.50% · 4.625%
HK$10,738
+HK$538/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,400/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).