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$4,845
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,996
−HK$153/mo
Today · 4.125%
HK$5,149
baseline
▲ 0.50% · 4.625%
HK$5,462
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,298/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$5,390
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,535
−HK$146/mo
Today · 4.125%
HK$5,681
baseline
▲ 0.50% · 4.625%
HK$5,981
+HK$300/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,362/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$5,814
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,995
−HK$184/mo
Today · 4.125%
HK$6,179
baseline
▲ 0.50% · 4.625%
HK$6,555
+HK$376/mo
Deposit HK$850K · loan HK$1.27M · min. income ≈ HK$12,358/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,468
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,641
−HK$176/mo
Today · 4.125%
HK$6,817
baseline
▲ 0.50% · 4.625%
HK$7,177
+HK$360/mo
Deposit HK$850K · loan HK$1.27M · min. income ≈ HK$13,634/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,783
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,994
−HK$214/mo
Today · 4.125%
HK$7,208
baseline
▲ 0.50% · 4.625%
HK$7,647
+HK$439/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$14,416/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,546
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,748
−HK$206/mo
Today · 4.125%
HK$7,954
baseline
▲ 0.50% · 4.625%
HK$8,373
+HK$419/mo
Deposit HK$637K · loan HK$1.49M · min. income ≈ HK$15,908/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,721
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,992
−HK$276/mo
Today · 4.125%
HK$9,268
baseline
▲ 0.50% · 4.625%
HK$9,832
+HK$564/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,536/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,702
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,962
−HK$264/mo
Today · 4.125%
HK$10,226
baseline
▲ 0.50% · 4.625%
HK$10,765
+HK$539/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,452/mo (50% DSR)
Upfront cash ≈ HK$213K (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).