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$4,992
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,147
−HK$158/mo
Today · 4.125%
HK$5,305
baseline
▲ 0.50% · 4.625%
HK$5,627
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,610/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$5,553
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,702
−HK$151/mo
Today · 4.125%
HK$5,853
baseline
▲ 0.50% · 4.625%
HK$6,162
+HK$309/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,706/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$5,990
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,176
−HK$189/mo
Today · 4.125%
HK$6,365
baseline
▲ 0.50% · 4.625%
HK$6,753
+HK$388/mo
Deposit HK$876K · loan HK$1.31M · min. income ≈ HK$12,730/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,664
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,842
−HK$182/mo
Today · 4.125%
HK$7,024
baseline
▲ 0.50% · 4.625%
HK$7,394
+HK$370/mo
Deposit HK$876K · loan HK$1.31M · min. income ≈ HK$14,048/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,988
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,206
−HK$220/mo
Today · 4.125%
HK$7,426
baseline
▲ 0.50% · 4.625%
HK$7,878
+HK$452/mo
Deposit HK$657K · loan HK$1.53M · min. income ≈ HK$14,852/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,774
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,983
−HK$211/mo
Today · 4.125%
HK$8,194
baseline
▲ 0.50% · 4.625%
HK$8,626
+HK$432/mo
Deposit HK$657K · loan HK$1.53M · min. income ≈ HK$16,388/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,985
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,264
−HK$284/mo
Today · 4.125%
HK$9,548
baseline
▲ 0.50% · 4.625%
HK$10,129
+HK$581/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,096/mo (50% DSR)
Upfront cash ≈ HK$219K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,996
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,264
−HK$272/mo
Today · 4.125%
HK$10,536
baseline
▲ 0.50% · 4.625%
HK$11,091
+HK$555/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,072/mo (50% DSR)
Upfront cash ≈ HK$219K (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).