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$4,872
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,024
−HK$154/mo
Today · 4.125%
HK$5,178
baseline
▲ 0.50% · 4.625%
HK$5,493
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,356/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$5,420
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,566
−HK$147/mo
Today · 4.125%
HK$5,713
baseline
▲ 0.50% · 4.625%
HK$6,014
+HK$301/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,426/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$5,847
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,029
−HK$184/mo
Today · 4.125%
HK$6,213
baseline
▲ 0.50% · 4.625%
HK$6,591
+HK$378/mo
Deposit HK$855K · loan HK$1.28M · min. income ≈ HK$12,426/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,504
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,679
−HK$177/mo
Today · 4.125%
HK$6,856
baseline
▲ 0.50% · 4.625%
HK$7,217
+HK$361/mo
Deposit HK$855K · loan HK$1.28M · min. income ≈ HK$13,712/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,821
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,033
−HK$216/mo
Today · 4.125%
HK$7,249
baseline
▲ 0.50% · 4.625%
HK$7,690
+HK$441/mo
Deposit HK$641K · loan HK$1.50M · min. income ≈ HK$14,498/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,588
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,792
−HK$206/mo
Today · 4.125%
HK$7,998
baseline
▲ 0.50% · 4.625%
HK$8,420
+HK$422/mo
Deposit HK$641K · loan HK$1.50M · min. income ≈ HK$15,996/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,770
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,043
−HK$277/mo
Today · 4.125%
HK$9,320
baseline
▲ 0.50% · 4.625%
HK$9,887
+HK$567/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$18,640/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$9,757
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,018
−HK$266/mo
Today · 4.125%
HK$10,284
baseline
▲ 0.50% · 4.625%
HK$10,826
+HK$542/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$20,568/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).