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$4,885
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,037
−HK$154/mo
Today · 4.125%
HK$5,191
baseline
▲ 0.50% · 4.625%
HK$5,507
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,382/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$5,435
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,580
−HK$148/mo
Today · 4.125%
HK$5,728
baseline
▲ 0.50% · 4.625%
HK$6,030
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,456/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$5,862
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,044
−HK$186/mo
Today · 4.125%
HK$6,230
baseline
▲ 0.50% · 4.625%
HK$6,609
+HK$379/mo
Deposit HK$857K · loan HK$1.29M · min. income ≈ HK$12,460/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,521
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,696
−HK$178/mo
Today · 4.125%
HK$6,874
baseline
▲ 0.50% · 4.625%
HK$7,236
+HK$362/mo
Deposit HK$857K · loan HK$1.29M · min. income ≈ HK$13,748/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,839
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,052
−HK$216/mo
Today · 4.125%
HK$7,268
baseline
▲ 0.50% · 4.625%
HK$7,710
+HK$442/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$14,536/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,608
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,812
−HK$207/mo
Today · 4.125%
HK$8,019
baseline
▲ 0.50% · 4.625%
HK$8,442
+HK$423/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$16,038/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,793
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,067
−HK$277/mo
Today · 4.125%
HK$9,344
baseline
▲ 0.50% · 4.625%
HK$9,913
+HK$569/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,688/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$9,782
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,044
−HK$267/mo
Today · 4.125%
HK$10,311
baseline
▲ 0.50% · 4.625%
HK$10,854
+HK$543/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,622/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).