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$4,864
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,015
−HK$154/mo
Today · 4.125%
HK$5,169
baseline
▲ 0.50% · 4.625%
HK$5,484
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,338/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$5,411
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,556
−HK$148/mo
Today · 4.125%
HK$5,704
baseline
▲ 0.50% · 4.625%
HK$6,004
+HK$300/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,408/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$5,837
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,018
−HK$185/mo
Today · 4.125%
HK$6,203
baseline
▲ 0.50% · 4.625%
HK$6,580
+HK$377/mo
Deposit HK$853K · loan HK$1.28M · min. income ≈ HK$12,406/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,493
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,668
−HK$176/mo
Today · 4.125%
HK$6,844
baseline
▲ 0.50% · 4.625%
HK$7,205
+HK$361/mo
Deposit HK$853K · loan HK$1.28M · min. income ≈ HK$13,688/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,810
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,021
−HK$216/mo
Today · 4.125%
HK$7,237
baseline
▲ 0.50% · 4.625%
HK$7,677
+HK$440/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$14,474/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,576
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,779
−HK$206/mo
Today · 4.125%
HK$7,985
baseline
▲ 0.50% · 4.625%
HK$8,406
+HK$421/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$15,970/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,755
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,028
−HK$276/mo
Today · 4.125%
HK$9,304
baseline
▲ 0.50% · 4.625%
HK$9,870
+HK$566/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,608/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$9,740
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,001
−HK$265/mo
Today · 4.125%
HK$10,266
baseline
▲ 0.50% · 4.625%
HK$10,808
+HK$542/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,532/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).