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$4,956
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,110
−HK$157/mo
Today · 4.125%
HK$5,267
baseline
▲ 0.50% · 4.625%
HK$5,588
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,534/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$5,514
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,662
−HK$150/mo
Today · 4.125%
HK$5,812
baseline
▲ 0.50% · 4.625%
HK$6,118
+HK$306/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,624/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$5,948
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,133
−HK$188/mo
Today · 4.125%
HK$6,321
baseline
▲ 0.50% · 4.625%
HK$6,705
+HK$384/mo
Deposit HK$869K · loan HK$1.30M · min. income ≈ HK$12,642/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,617
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,794
−HK$180/mo
Today · 4.125%
HK$6,974
baseline
▲ 0.50% · 4.625%
HK$7,342
+HK$368/mo
Deposit HK$869K · loan HK$1.30M · min. income ≈ HK$13,948/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,939
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,155
−HK$219/mo
Today · 4.125%
HK$7,374
baseline
▲ 0.50% · 4.625%
HK$7,823
+HK$449/mo
Deposit HK$652K · loan HK$1.52M · min. income ≈ HK$14,748/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,719
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,926
−HK$210/mo
Today · 4.125%
HK$8,136
baseline
▲ 0.50% · 4.625%
HK$8,565
+HK$429/mo
Deposit HK$652K · loan HK$1.52M · min. income ≈ HK$16,272/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,921
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,199
−HK$282/mo
Today · 4.125%
HK$9,481
baseline
▲ 0.50% · 4.625%
HK$10,058
+HK$577/mo
Deposit HK$217K · loan HK$1.96M · min. income ≈ HK$18,962/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,925
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,191
−HK$270/mo
Today · 4.125%
HK$10,461
baseline
▲ 0.50% · 4.625%
HK$11,013
+HK$552/mo
Deposit HK$217K · loan HK$1.96M · min. income ≈ HK$20,922/mo (50% DSR)
Upfront cash ≈ HK$217K (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).