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$4,979
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,134
−HK$157/mo
Today · 4.125%
HK$5,291
baseline
▲ 0.50% · 4.625%
HK$5,613
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,582/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$5,539
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,687
−HK$151/mo
Today · 4.125%
HK$5,838
baseline
▲ 0.50% · 4.625%
HK$6,146
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,676/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$5,974
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,160
−HK$189/mo
Today · 4.125%
HK$6,349
baseline
▲ 0.50% · 4.625%
HK$6,735
+HK$386/mo
Deposit HK$873K · loan HK$1.31M · min. income ≈ HK$12,698/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,646
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,825
−HK$181/mo
Today · 4.125%
HK$7,006
baseline
▲ 0.50% · 4.625%
HK$7,375
+HK$369/mo
Deposit HK$873K · loan HK$1.31M · min. income ≈ HK$14,012/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,970
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,187
−HK$220/mo
Today · 4.125%
HK$7,407
baseline
▲ 0.50% · 4.625%
HK$7,858
+HK$451/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$14,814/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,754
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,962
−HK$211/mo
Today · 4.125%
HK$8,173
baseline
▲ 0.50% · 4.625%
HK$8,604
+HK$431/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$16,346/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,962
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,240
−HK$284/mo
Today · 4.125%
HK$9,524
baseline
▲ 0.50% · 4.625%
HK$10,103
+HK$579/mo
Deposit HK$218K · loan HK$1.97M · min. income ≈ HK$19,048/mo (50% DSR)
Upfront cash ≈ HK$218K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,970
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,237
−HK$271/mo
Today · 4.125%
HK$10,508
baseline
▲ 0.50% · 4.625%
HK$11,062
+HK$554/mo
Deposit HK$218K · loan HK$1.97M · min. income ≈ HK$21,016/mo (50% DSR)
Upfront cash ≈ HK$218K (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).