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$312/mo
▼ 0.25% · 3.875%
HK$5,137
−HK$157/mo
Today · 4.125%
HK$5,294
baseline
▲ 0.50% · 4.625%
HK$5,616
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,588/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$5,542
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,691
−HK$150/mo
Today · 4.125%
HK$5,841
baseline
▲ 0.50% · 4.625%
HK$6,149
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,682/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$5,978
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,164
−HK$189/mo
Today · 4.125%
HK$6,353
baseline
▲ 0.50% · 4.625%
HK$6,739
+HK$386/mo
Deposit HK$874K · loan HK$1.31M · min. income ≈ HK$12,706/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$6,650
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,829
−HK$181/mo
Today · 4.125%
HK$7,010
baseline
▲ 0.50% · 4.625%
HK$7,379
+HK$369/mo
Deposit HK$874K · loan HK$1.31M · min. income ≈ HK$14,020/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$6,974
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,191
−HK$221/mo
Today · 4.125%
HK$7,412
baseline
▲ 0.50% · 4.625%
HK$7,863
+HK$451/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$14,824/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$7,759
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,967
−HK$211/mo
Today · 4.125%
HK$8,178
baseline
▲ 0.50% · 4.625%
HK$8,609
+HK$431/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$16,356/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$8,967
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,246
−HK$283/mo
Today · 4.125%
HK$9,529
baseline
▲ 0.50% · 4.625%
HK$10,109
+HK$580/mo
Deposit HK$218K · loan HK$1.97M · min. income ≈ HK$19,058/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$9,976
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,243
−HK$272/mo
Today · 4.125%
HK$10,515
baseline
▲ 0.50% · 4.625%
HK$11,069
+HK$554/mo
Deposit HK$218K · loan HK$1.97M · min. income ≈ HK$21,030/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).