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$4,982
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,137
−HK$158/mo
Today · 4.125%
HK$5,295
baseline
▲ 0.50% · 4.625%
HK$5,617
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,590/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$5,543
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,691
−HK$151/mo
Today · 4.125%
HK$5,842
baseline
▲ 0.50% · 4.625%
HK$6,150
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,684/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$5,979
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,165
−HK$189/mo
Today · 4.125%
HK$6,354
baseline
▲ 0.50% · 4.625%
HK$6,740
+HK$386/mo
Deposit HK$874K · loan HK$1.31M · min. income ≈ HK$12,708/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,651
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,830
−HK$181/mo
Today · 4.125%
HK$7,011
baseline
▲ 0.50% · 4.625%
HK$7,380
+HK$369/mo
Deposit HK$874K · loan HK$1.31M · min. income ≈ HK$14,022/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,975
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,192
−HK$221/mo
Today · 4.125%
HK$7,413
baseline
▲ 0.50% · 4.625%
HK$7,864
+HK$451/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$14,826/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,760
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,968
−HK$211/mo
Today · 4.125%
HK$8,179
baseline
▲ 0.50% · 4.625%
HK$8,610
+HK$431/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$16,358/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,968
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,247
−HK$283/mo
Today · 4.125%
HK$9,530
baseline
▲ 0.50% · 4.625%
HK$10,110
+HK$580/mo
Deposit HK$218K · loan HK$1.97M · min. income ≈ HK$19,060/mo (50% DSR)
Upfront cash ≈ HK$219K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,977
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,245
−HK$271/mo
Today · 4.125%
HK$10,516
baseline
▲ 0.50% · 4.625%
HK$11,070
+HK$554/mo
Deposit HK$218K · loan HK$1.97M · min. income ≈ HK$21,032/mo (50% DSR)
Upfront cash ≈ HK$219K (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).