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$4,988
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,143
−HK$158/mo
Today · 4.125%
HK$5,301
baseline
▲ 0.50% · 4.625%
HK$5,623
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,602/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$5,549
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,698
−HK$151/mo
Today · 4.125%
HK$5,849
baseline
▲ 0.50% · 4.625%
HK$6,157
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,698/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$5,985
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,171
−HK$190/mo
Today · 4.125%
HK$6,361
baseline
▲ 0.50% · 4.625%
HK$6,748
+HK$387/mo
Deposit HK$875K · loan HK$1.31M · min. income ≈ HK$12,722/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,659
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,837
−HK$181/mo
Today · 4.125%
HK$7,018
baseline
▲ 0.50% · 4.625%
HK$7,388
+HK$370/mo
Deposit HK$875K · loan HK$1.31M · min. income ≈ HK$14,036/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,983
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,200
−HK$221/mo
Today · 4.125%
HK$7,421
baseline
▲ 0.50% · 4.625%
HK$7,872
+HK$451/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$14,842/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,768
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,977
−HK$211/mo
Today · 4.125%
HK$8,188
baseline
▲ 0.50% · 4.625%
HK$8,620
+HK$432/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$16,376/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,978
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,257
−HK$284/mo
Today · 4.125%
HK$9,541
baseline
▲ 0.50% · 4.625%
HK$10,122
+HK$581/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,082/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$9,988
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,256
−HK$272/mo
Today · 4.125%
HK$10,528
baseline
▲ 0.50% · 4.625%
HK$11,082
+HK$554/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,056/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).