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$4,965
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,119
−HK$157/mo
Today · 4.125%
HK$5,276
baseline
▲ 0.50% · 4.625%
HK$5,597
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,552/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$5,523
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,671
−HK$151/mo
Today · 4.125%
HK$5,822
baseline
▲ 0.50% · 4.625%
HK$6,129
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,644/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$5,958
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,143
−HK$188/mo
Today · 4.125%
HK$6,331
baseline
▲ 0.50% · 4.625%
HK$6,717
+HK$386/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$12,662/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,628
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,806
−HK$180/mo
Today · 4.125%
HK$6,986
baseline
▲ 0.50% · 4.625%
HK$7,354
+HK$368/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$13,972/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,951
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,167
−HK$220/mo
Today · 4.125%
HK$7,387
baseline
▲ 0.50% · 4.625%
HK$7,836
+HK$449/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$14,774/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,733
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,940
−HK$210/mo
Today · 4.125%
HK$8,150
baseline
▲ 0.50% · 4.625%
HK$8,580
+HK$430/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$16,300/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,937
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,215
−HK$282/mo
Today · 4.125%
HK$9,497
baseline
▲ 0.50% · 4.625%
HK$10,075
+HK$578/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$18,994/mo (50% DSR)
Upfront cash ≈ HK$218K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,942
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,209
−HK$270/mo
Today · 4.125%
HK$10,479
baseline
▲ 0.50% · 4.625%
HK$11,032
+HK$553/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,958/mo (50% DSR)
Upfront cash ≈ HK$218K (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).