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$4,831
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,981
−HK$152/mo
Today · 4.125%
HK$5,133
baseline
▲ 0.50% · 4.625%
HK$5,446
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,266/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$5,374
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,518
−HK$146/mo
Today · 4.125%
HK$5,664
baseline
▲ 0.50% · 4.625%
HK$5,963
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,328/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$5,797
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,977
−HK$183/mo
Today · 4.125%
HK$6,160
baseline
▲ 0.50% · 4.625%
HK$6,535
+HK$375/mo
Deposit HK$847K · loan HK$1.27M · min. income ≈ HK$12,320/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$6,449
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,622
−HK$175/mo
Today · 4.125%
HK$6,797
baseline
▲ 0.50% · 4.625%
HK$7,155
+HK$358/mo
Deposit HK$847K · loan HK$1.27M · min. income ≈ HK$13,594/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$6,763
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,973
−HK$214/mo
Today · 4.125%
HK$7,187
baseline
▲ 0.50% · 4.625%
HK$7,624
+HK$437/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$14,374/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,524
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,725
−HK$205/mo
Today · 4.125%
HK$7,930
baseline
▲ 0.50% · 4.625%
HK$8,348
+HK$418/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$15,860/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,695
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,965
−HK$275/mo
Today · 4.125%
HK$9,240
baseline
▲ 0.50% · 4.625%
HK$9,802
+HK$562/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,480/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$9,673
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,933
−HK$263/mo
Today · 4.125%
HK$10,196
baseline
▲ 0.50% · 4.625%
HK$10,733
+HK$537/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,392/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).