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$4,828
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,978
−HK$153/mo
Today · 4.125%
HK$5,131
baseline
▲ 0.50% · 4.625%
HK$5,443
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,262/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$5,371
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,515
−HK$146/mo
Today · 4.125%
HK$5,661
baseline
▲ 0.50% · 4.625%
HK$5,960
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,322/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$5,793
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,974
−HK$183/mo
Today · 4.125%
HK$6,157
baseline
▲ 0.50% · 4.625%
HK$6,531
+HK$374/mo
Deposit HK$847K · loan HK$1.27M · min. income ≈ HK$12,314/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,445
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,618
−HK$175/mo
Today · 4.125%
HK$6,793
baseline
▲ 0.50% · 4.625%
HK$7,151
+HK$358/mo
Deposit HK$847K · loan HK$1.27M · min. income ≈ HK$13,586/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,759
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,969
−HK$214/mo
Today · 4.125%
HK$7,183
baseline
▲ 0.50% · 4.625%
HK$7,620
+HK$437/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$14,366/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$7,519
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,721
−HK$205/mo
Today · 4.125%
HK$7,926
baseline
▲ 0.50% · 4.625%
HK$8,343
+HK$417/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$15,852/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$8,690
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,961
−HK$274/mo
Today · 4.125%
HK$9,235
baseline
▲ 0.50% · 4.625%
HK$9,797
+HK$562/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,470/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$9,668
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,927
−HK$263/mo
Today · 4.125%
HK$10,190
baseline
▲ 0.50% · 4.625%
HK$10,727
+HK$537/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,380/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).