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$4,823
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,973
−HK$152/mo
Today · 4.125%
HK$5,125
baseline
▲ 0.50% · 4.625%
HK$5,437
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,250/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$5,365
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,509
−HK$146/mo
Today · 4.125%
HK$5,655
baseline
▲ 0.50% · 4.625%
HK$5,953
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,310/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$5,787
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,967
−HK$183/mo
Today · 4.125%
HK$6,150
baseline
▲ 0.50% · 4.625%
HK$6,524
+HK$374/mo
Deposit HK$846K · loan HK$1.27M · min. income ≈ HK$12,300/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$6,438
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,611
−HK$175/mo
Today · 4.125%
HK$6,786
baseline
▲ 0.50% · 4.625%
HK$7,144
+HK$358/mo
Deposit HK$846K · loan HK$1.27M · min. income ≈ HK$13,572/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$6,752
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,962
−HK$213/mo
Today · 4.125%
HK$7,175
baseline
▲ 0.50% · 4.625%
HK$7,612
+HK$437/mo
Deposit HK$634K · loan HK$1.48M · min. income ≈ HK$14,350/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$7,511
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,712
−HK$205/mo
Today · 4.125%
HK$7,917
baseline
▲ 0.50% · 4.625%
HK$8,334
+HK$417/mo
Deposit HK$634K · loan HK$1.48M · min. income ≈ HK$15,834/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$8,681
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,951
−HK$274/mo
Today · 4.125%
HK$9,225
baseline
▲ 0.50% · 4.625%
HK$9,786
+HK$561/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,450/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$9,657
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,916
−HK$263/mo
Today · 4.125%
HK$10,179
baseline
▲ 0.50% · 4.625%
HK$10,715
+HK$536/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,358/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).