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$4,818
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,968
−HK$152/mo
Today · 4.125%
HK$5,120
baseline
▲ 0.50% · 4.625%
HK$5,432
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,240/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$5,360
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,504
−HK$146/mo
Today · 4.125%
HK$5,650
baseline
▲ 0.50% · 4.625%
HK$5,947
+HK$297/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,300/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$5,782
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,962
−HK$182/mo
Today · 4.125%
HK$6,144
baseline
▲ 0.50% · 4.625%
HK$6,518
+HK$374/mo
Deposit HK$845K · loan HK$1.27M · min. income ≈ HK$12,288/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,432
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,605
−HK$175/mo
Today · 4.125%
HK$6,780
baseline
▲ 0.50% · 4.625%
HK$7,137
+HK$357/mo
Deposit HK$845K · loan HK$1.27M · min. income ≈ HK$13,560/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,745
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,955
−HK$213/mo
Today · 4.125%
HK$7,168
baseline
▲ 0.50% · 4.625%
HK$7,604
+HK$436/mo
Deposit HK$634K · loan HK$1.48M · min. income ≈ HK$14,336/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,504
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,705
−HK$205/mo
Today · 4.125%
HK$7,910
baseline
▲ 0.50% · 4.625%
HK$8,326
+HK$416/mo
Deposit HK$634K · loan HK$1.48M · min. income ≈ HK$15,820/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,673
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,942
−HK$274/mo
Today · 4.125%
HK$9,216
baseline
▲ 0.50% · 4.625%
HK$9,777
+HK$561/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,432/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,648
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,907
−HK$262/mo
Today · 4.125%
HK$10,169
baseline
▲ 0.50% · 4.625%
HK$10,705
+HK$536/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,338/mo (50% DSR)
Upfront cash ≈ HK$211K (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).