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$4,987
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,142
−HK$158/mo
Today · 4.125%
HK$5,300
baseline
▲ 0.50% · 4.625%
HK$5,622
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,600/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$5,548
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,697
−HK$151/mo
Today · 4.125%
HK$5,848
baseline
▲ 0.50% · 4.625%
HK$6,156
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,696/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$5,984
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,170
−HK$190/mo
Today · 4.125%
HK$6,360
baseline
▲ 0.50% · 4.625%
HK$6,747
+HK$387/mo
Deposit HK$875K · loan HK$1.31M · min. income ≈ HK$12,720/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,658
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,836
−HK$181/mo
Today · 4.125%
HK$7,017
baseline
▲ 0.50% · 4.625%
HK$7,387
+HK$370/mo
Deposit HK$875K · loan HK$1.31M · min. income ≈ HK$14,034/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,982
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,199
−HK$221/mo
Today · 4.125%
HK$7,420
baseline
▲ 0.50% · 4.625%
HK$7,871
+HK$451/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$14,840/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$7,767
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,975
−HK$212/mo
Today · 4.125%
HK$8,187
baseline
▲ 0.50% · 4.625%
HK$8,618
+HK$431/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$16,374/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$8,976
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,256
−HK$283/mo
Today · 4.125%
HK$9,539
baseline
▲ 0.50% · 4.625%
HK$10,120
+HK$581/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,078/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$9,986
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,254
−HK$272/mo
Today · 4.125%
HK$10,526
baseline
▲ 0.50% · 4.625%
HK$11,081
+HK$555/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,052/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).