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$4,878
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,030
−HK$154/mo
Today · 4.125%
HK$5,184
baseline
▲ 0.50% · 4.625%
HK$5,500
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,368/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,427
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,573
−HK$147/mo
Today · 4.125%
HK$5,720
baseline
▲ 0.50% · 4.625%
HK$6,022
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,440/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,854
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,036
−HK$185/mo
Today · 4.125%
HK$6,221
baseline
▲ 0.50% · 4.625%
HK$6,600
+HK$379/mo
Deposit HK$856K · loan HK$1.28M · min. income ≈ HK$12,442/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,512
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,687
−HK$177/mo
Today · 4.125%
HK$6,864
baseline
▲ 0.50% · 4.625%
HK$7,226
+HK$362/mo
Deposit HK$856K · loan HK$1.28M · min. income ≈ HK$13,728/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,830
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,042
−HK$216/mo
Today · 4.125%
HK$7,258
baseline
▲ 0.50% · 4.625%
HK$7,700
+HK$442/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$14,516/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,598
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,802
−HK$206/mo
Today · 4.125%
HK$8,008
baseline
▲ 0.50% · 4.625%
HK$8,431
+HK$423/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$16,016/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,781
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,054
−HK$278/mo
Today · 4.125%
HK$9,332
baseline
▲ 0.50% · 4.625%
HK$9,899
+HK$567/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,664/mo (50% DSR)
Upfront cash ≈ HK$214K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,769
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,031
−HK$266/mo
Today · 4.125%
HK$10,297
baseline
▲ 0.50% · 4.625%
HK$10,839
+HK$542/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,594/mo (50% DSR)
Upfront cash ≈ HK$214K (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).