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$4,824
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,974
−HK$153/mo
Today · 4.125%
HK$5,127
baseline
▲ 0.50% · 4.625%
HK$5,438
+HK$311/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,254/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$5,367
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,511
−HK$146/mo
Today · 4.125%
HK$5,657
baseline
▲ 0.50% · 4.625%
HK$5,955
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,314/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$5,789
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,969
−HK$183/mo
Today · 4.125%
HK$6,152
baseline
▲ 0.50% · 4.625%
HK$6,526
+HK$374/mo
Deposit HK$846K · loan HK$1.27M · min. income ≈ HK$12,304/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,440
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,613
−HK$175/mo
Today · 4.125%
HK$6,788
baseline
▲ 0.50% · 4.625%
HK$7,146
+HK$358/mo
Deposit HK$846K · loan HK$1.27M · min. income ≈ HK$13,576/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,754
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,964
−HK$213/mo
Today · 4.125%
HK$7,177
baseline
▲ 0.50% · 4.625%
HK$7,614
+HK$437/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$14,354/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,513
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,715
−HK$204/mo
Today · 4.125%
HK$7,919
baseline
▲ 0.50% · 4.625%
HK$8,337
+HK$418/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$15,838/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,683
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,953
−HK$275/mo
Today · 4.125%
HK$9,228
baseline
▲ 0.50% · 4.625%
HK$9,789
+HK$561/mo
Deposit HK$212K · loan HK$1.90M · min. income ≈ HK$18,456/mo (50% DSR)
Upfront cash ≈ HK$212K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,660
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,919
−HK$263/mo
Today · 4.125%
HK$10,182
baseline
▲ 0.50% · 4.625%
HK$10,719
+HK$537/mo
Deposit HK$212K · loan HK$1.90M · min. income ≈ HK$20,364/mo (50% DSR)
Upfront cash ≈ HK$212K (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).