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$4,814
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,964
−HK$152/mo
Today · 4.125%
HK$5,116
baseline
▲ 0.50% · 4.625%
HK$5,427
+HK$311/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,232/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$5,355
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,499
−HK$146/mo
Today · 4.125%
HK$5,645
baseline
▲ 0.50% · 4.625%
HK$5,942
+HK$297/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,290/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$5,777
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,956
−HK$183/mo
Today · 4.125%
HK$6,139
baseline
▲ 0.50% · 4.625%
HK$6,513
+HK$374/mo
Deposit HK$844K · loan HK$1.27M · min. income ≈ HK$12,278/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,427
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,599
−HK$175/mo
Today · 4.125%
HK$6,774
baseline
▲ 0.50% · 4.625%
HK$7,131
+HK$357/mo
Deposit HK$844K · loan HK$1.27M · min. income ≈ HK$13,548/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,740
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,949
−HK$213/mo
Today · 4.125%
HK$7,162
baseline
▲ 0.50% · 4.625%
HK$7,598
+HK$436/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$14,324/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,498
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,699
−HK$204/mo
Today · 4.125%
HK$7,903
baseline
▲ 0.50% · 4.625%
HK$8,319
+HK$416/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$15,806/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,665
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,935
−HK$273/mo
Today · 4.125%
HK$9,208
baseline
▲ 0.50% · 4.625%
HK$9,769
+HK$561/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,416/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,640
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,898
−HK$263/mo
Today · 4.125%
HK$10,161
baseline
▲ 0.50% · 4.625%
HK$10,696
+HK$535/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,322/mo (50% DSR)
Upfront cash ≈ HK$211K (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).