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$4,813
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,963
−HK$152/mo
Today · 4.125%
HK$5,115
baseline
▲ 0.50% · 4.625%
HK$5,426
+HK$311/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,230/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$5,354
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,498
−HK$145/mo
Today · 4.125%
HK$5,643
baseline
▲ 0.50% · 4.625%
HK$5,941
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,286/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$5,775
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,955
−HK$183/mo
Today · 4.125%
HK$6,138
baseline
▲ 0.50% · 4.625%
HK$6,511
+HK$373/mo
Deposit HK$844K · loan HK$1.27M · min. income ≈ HK$12,276/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,425
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,597
−HK$175/mo
Today · 4.125%
HK$6,772
baseline
▲ 0.50% · 4.625%
HK$7,129
+HK$357/mo
Deposit HK$844K · loan HK$1.27M · min. income ≈ HK$13,544/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,738
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,948
−HK$212/mo
Today · 4.125%
HK$7,160
baseline
▲ 0.50% · 4.625%
HK$7,596
+HK$436/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$14,320/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,496
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,697
−HK$204/mo
Today · 4.125%
HK$7,901
baseline
▲ 0.50% · 4.625%
HK$8,317
+HK$416/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$15,802/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,663
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,933
−HK$273/mo
Today · 4.125%
HK$9,206
baseline
▲ 0.50% · 4.625%
HK$9,766
+HK$560/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,412/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,638
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,896
−HK$262/mo
Today · 4.125%
HK$10,158
baseline
▲ 0.50% · 4.625%
HK$10,694
+HK$536/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,316/mo (50% DSR)
Upfront cash ≈ HK$211K (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).