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$4,852
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,003
−HK$153/mo
Today · 4.125%
HK$5,156
baseline
▲ 0.50% · 4.625%
HK$5,470
+HK$314/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,312/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$5,397
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,542
−HK$147/mo
Today · 4.125%
HK$5,689
baseline
▲ 0.50% · 4.625%
HK$5,989
+HK$300/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,378/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$5,822
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,003
−HK$184/mo
Today · 4.125%
HK$6,187
baseline
▲ 0.50% · 4.625%
HK$6,563
+HK$376/mo
Deposit HK$851K · loan HK$1.28M · min. income ≈ HK$12,374/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,477
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,651
−HK$176/mo
Today · 4.125%
HK$6,827
baseline
▲ 0.50% · 4.625%
HK$7,187
+HK$360/mo
Deposit HK$851K · loan HK$1.28M · min. income ≈ HK$13,654/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,792
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,004
−HK$214/mo
Today · 4.125%
HK$7,218
baseline
▲ 0.50% · 4.625%
HK$7,657
+HK$439/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$14,436/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,556
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,759
−HK$206/mo
Today · 4.125%
HK$7,965
baseline
▲ 0.50% · 4.625%
HK$8,384
+HK$419/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$15,930/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,733
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,005
−HK$276/mo
Today · 4.125%
HK$9,281
baseline
▲ 0.50% · 4.625%
HK$9,845
+HK$564/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$18,562/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,715
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,976
−HK$264/mo
Today · 4.125%
HK$10,240
baseline
▲ 0.50% · 4.625%
HK$10,780
+HK$540/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$20,480/mo (50% DSR)
Upfront cash ≈ HK$213K (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).