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$4,939
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,093
−HK$156/mo
Today · 4.125%
HK$5,249
baseline
▲ 0.50% · 4.625%
HK$5,568
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,498/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$5,495
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,642
−HK$150/mo
Today · 4.125%
HK$5,792
baseline
▲ 0.50% · 4.625%
HK$6,097
+HK$305/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,584/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$5,927
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,112
−HK$187/mo
Today · 4.125%
HK$6,299
baseline
▲ 0.50% · 4.625%
HK$6,682
+HK$383/mo
Deposit HK$866K · loan HK$1.30M · min. income ≈ HK$12,598/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$6,594
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,771
−HK$179/mo
Today · 4.125%
HK$6,950
baseline
▲ 0.50% · 4.625%
HK$7,316
+HK$366/mo
Deposit HK$866K · loan HK$1.30M · min. income ≈ HK$13,900/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$6,915
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,130
−HK$219/mo
Today · 4.125%
HK$7,349
baseline
▲ 0.50% · 4.625%
HK$7,796
+HK$447/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$14,698/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$7,693
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,899
−HK$210/mo
Today · 4.125%
HK$8,109
baseline
▲ 0.50% · 4.625%
HK$8,536
+HK$427/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$16,218/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$8,891
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,167
−HK$281/mo
Today · 4.125%
HK$9,448
baseline
▲ 0.50% · 4.625%
HK$10,023
+HK$575/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,896/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$9,891
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,156
−HK$269/mo
Today · 4.125%
HK$10,425
baseline
▲ 0.50% · 4.625%
HK$10,975
+HK$550/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,850/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).