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$4,856
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,007
−HK$153/mo
Today · 4.125%
HK$5,160
baseline
▲ 0.50% · 4.625%
HK$5,474
+HK$314/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,320/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$5,402
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,547
−HK$147/mo
Today · 4.125%
HK$5,694
baseline
▲ 0.50% · 4.625%
HK$5,994
+HK$300/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,388/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$5,827
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,008
−HK$184/mo
Today · 4.125%
HK$6,192
baseline
▲ 0.50% · 4.625%
HK$6,569
+HK$377/mo
Deposit HK$852K · loan HK$1.28M · min. income ≈ HK$12,384/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,482
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,656
−HK$177/mo
Today · 4.125%
HK$6,833
baseline
▲ 0.50% · 4.625%
HK$7,193
+HK$360/mo
Deposit HK$852K · loan HK$1.28M · min. income ≈ HK$13,666/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,798
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,010
−HK$214/mo
Today · 4.125%
HK$7,224
baseline
▲ 0.50% · 4.625%
HK$7,664
+HK$440/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$14,448/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,563
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,766
−HK$205/mo
Today · 4.125%
HK$7,971
baseline
▲ 0.50% · 4.625%
HK$8,392
+HK$421/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$15,942/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,740
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,012
−HK$277/mo
Today · 4.125%
HK$9,289
baseline
▲ 0.50% · 4.625%
HK$9,854
+HK$565/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,578/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,724
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,984
−HK$265/mo
Today · 4.125%
HK$10,249
baseline
▲ 0.50% · 4.625%
HK$10,789
+HK$540/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,498/mo (50% DSR)
Upfront cash ≈ HK$213K (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).