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$4,850
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,001
−HK$153/mo
Today · 4.125%
HK$5,154
baseline
▲ 0.50% · 4.625%
HK$5,468
+HK$314/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,308/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$5,396
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,540
−HK$147/mo
Today · 4.125%
HK$5,687
baseline
▲ 0.50% · 4.625%
HK$5,987
+HK$300/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,374/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$5,820
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,001
−HK$184/mo
Today · 4.125%
HK$6,185
baseline
▲ 0.50% · 4.625%
HK$6,561
+HK$376/mo
Deposit HK$851K · loan HK$1.28M · min. income ≈ HK$12,370/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,475
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,648
−HK$177/mo
Today · 4.125%
HK$6,825
baseline
▲ 0.50% · 4.625%
HK$7,184
+HK$359/mo
Deposit HK$851K · loan HK$1.28M · min. income ≈ HK$13,650/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,790
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,001
−HK$215/mo
Today · 4.125%
HK$7,216
baseline
▲ 0.50% · 4.625%
HK$7,655
+HK$439/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$14,432/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$7,554
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,757
−HK$205/mo
Today · 4.125%
HK$7,962
baseline
▲ 0.50% · 4.625%
HK$8,382
+HK$420/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$15,924/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$8,730
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,002
−HK$276/mo
Today · 4.125%
HK$9,278
baseline
▲ 0.50% · 4.625%
HK$9,842
+HK$564/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$18,556/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$9,712
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,973
−HK$264/mo
Today · 4.125%
HK$10,237
baseline
▲ 0.50% · 4.625%
HK$10,777
+HK$540/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$20,474/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).