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$4,989
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,144
−HK$158/mo
Today · 4.125%
HK$5,302
baseline
▲ 0.50% · 4.625%
HK$5,625
+HK$323/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,604/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$5,550
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,699
−HK$151/mo
Today · 4.125%
HK$5,850
baseline
▲ 0.50% · 4.625%
HK$6,159
+HK$309/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,700/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$5,987
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,173
−HK$190/mo
Today · 4.125%
HK$6,363
baseline
▲ 0.50% · 4.625%
HK$6,750
+HK$387/mo
Deposit HK$875K · loan HK$1.31M · min. income ≈ HK$12,726/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$6,661
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,839
−HK$181/mo
Today · 4.125%
HK$7,020
baseline
▲ 0.50% · 4.625%
HK$7,390
+HK$370/mo
Deposit HK$875K · loan HK$1.31M · min. income ≈ HK$14,040/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$6,985
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,202
−HK$221/mo
Today · 4.125%
HK$7,423
baseline
▲ 0.50% · 4.625%
HK$7,875
+HK$452/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$14,846/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,771
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,979
−HK$211/mo
Today · 4.125%
HK$8,190
baseline
▲ 0.50% · 4.625%
HK$8,622
+HK$432/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$16,380/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,981
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,260
−HK$284/mo
Today · 4.125%
HK$9,544
baseline
▲ 0.50% · 4.625%
HK$10,125
+HK$581/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,088/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$9,991
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,259
−HK$272/mo
Today · 4.125%
HK$10,531
baseline
▲ 0.50% · 4.625%
HK$11,086
+HK$555/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,062/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).