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$4,963
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,117
−HK$157/mo
Today · 4.125%
HK$5,274
baseline
▲ 0.50% · 4.625%
HK$5,595
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,548/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$5,521
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,669
−HK$150/mo
Today · 4.125%
HK$5,819
baseline
▲ 0.50% · 4.625%
HK$6,126
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,638/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$5,955
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,141
−HK$188/mo
Today · 4.125%
HK$6,329
baseline
▲ 0.50% · 4.625%
HK$6,714
+HK$385/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$12,658/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$6,625
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,803
−HK$180/mo
Today · 4.125%
HK$6,983
baseline
▲ 0.50% · 4.625%
HK$7,351
+HK$368/mo
Deposit HK$871K · loan HK$1.31M · min. income ≈ HK$13,966/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$6,948
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,164
−HK$220/mo
Today · 4.125%
HK$7,384
baseline
▲ 0.50% · 4.625%
HK$7,833
+HK$449/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$14,768/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$7,729
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,937
−HK$210/mo
Today · 4.125%
HK$8,147
baseline
▲ 0.50% · 4.625%
HK$8,576
+HK$429/mo
Deposit HK$653K · loan HK$1.52M · min. income ≈ HK$16,294/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$8,933
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,211
−HK$282/mo
Today · 4.125%
HK$9,493
baseline
▲ 0.50% · 4.625%
HK$10,071
+HK$578/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$18,986/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$9,938
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,204
−HK$271/mo
Today · 4.125%
HK$10,475
baseline
▲ 0.50% · 4.625%
HK$11,027
+HK$552/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,950/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).