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$4,942
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,096
−HK$156/mo
Today · 4.125%
HK$5,252
baseline
▲ 0.50% · 4.625%
HK$5,571
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,504/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,498
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,645
−HK$150/mo
Today · 4.125%
HK$5,795
baseline
▲ 0.50% · 4.625%
HK$6,100
+HK$305/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,590/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,930
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,115
−HK$187/mo
Today · 4.125%
HK$6,302
baseline
▲ 0.50% · 4.625%
HK$6,686
+HK$384/mo
Deposit HK$867K · loan HK$1.30M · min. income ≈ HK$12,604/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,597
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,774
−HK$180/mo
Today · 4.125%
HK$6,954
baseline
▲ 0.50% · 4.625%
HK$7,320
+HK$366/mo
Deposit HK$867K · loan HK$1.30M · min. income ≈ HK$13,908/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,919
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,134
−HK$218/mo
Today · 4.125%
HK$7,352
baseline
▲ 0.50% · 4.625%
HK$7,800
+HK$448/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$14,704/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,697
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,903
−HK$210/mo
Today · 4.125%
HK$8,113
baseline
▲ 0.50% · 4.625%
HK$8,540
+HK$427/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$16,226/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,895
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,172
−HK$281/mo
Today · 4.125%
HK$9,453
baseline
▲ 0.50% · 4.625%
HK$10,028
+HK$575/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,906/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,896
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,161
−HK$270/mo
Today · 4.125%
HK$10,431
baseline
▲ 0.50% · 4.625%
HK$10,980
+HK$549/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,862/mo (50% DSR)
Upfront cash ≈ HK$217K (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).