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$4,974
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,129
−HK$157/mo
Today · 4.125%
HK$5,286
baseline
▲ 0.50% · 4.625%
HK$5,608
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,572/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$5,533
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,682
−HK$150/mo
Today · 4.125%
HK$5,832
baseline
▲ 0.50% · 4.625%
HK$6,140
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,664/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$5,969
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,154
−HK$189/mo
Today · 4.125%
HK$6,343
baseline
▲ 0.50% · 4.625%
HK$6,729
+HK$386/mo
Deposit HK$873K · loan HK$1.31M · min. income ≈ HK$12,686/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$6,640
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,818
−HK$181/mo
Today · 4.125%
HK$6,999
baseline
▲ 0.50% · 4.625%
HK$7,368
+HK$369/mo
Deposit HK$873K · loan HK$1.31M · min. income ≈ HK$13,998/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$6,964
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,180
−HK$220/mo
Today · 4.125%
HK$7,400
baseline
▲ 0.50% · 4.625%
HK$7,851
+HK$451/mo
Deposit HK$654K · loan HK$1.53M · min. income ≈ HK$14,800/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,747
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,955
−HK$210/mo
Today · 4.125%
HK$8,165
baseline
▲ 0.50% · 4.625%
HK$8,596
+HK$431/mo
Deposit HK$654K · loan HK$1.53M · min. income ≈ HK$16,330/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,953
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,232
−HK$283/mo
Today · 4.125%
HK$9,515
baseline
▲ 0.50% · 4.625%
HK$10,094
+HK$579/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$19,030/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$9,960
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,227
−HK$271/mo
Today · 4.125%
HK$10,498
baseline
▲ 0.50% · 4.625%
HK$11,052
+HK$554/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,996/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).