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$4,944
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,098
−HK$157/mo
Today · 4.125%
HK$5,255
baseline
▲ 0.50% · 4.625%
HK$5,574
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,510/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$5,501
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,648
−HK$150/mo
Today · 4.125%
HK$5,798
baseline
▲ 0.50% · 4.625%
HK$6,103
+HK$305/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,596/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$5,933
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,118
−HK$187/mo
Today · 4.125%
HK$6,305
baseline
▲ 0.50% · 4.625%
HK$6,689
+HK$384/mo
Deposit HK$867K · loan HK$1.30M · min. income ≈ HK$12,610/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$6,601
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,778
−HK$179/mo
Today · 4.125%
HK$6,957
baseline
▲ 0.50% · 4.625%
HK$7,324
+HK$367/mo
Deposit HK$867K · loan HK$1.30M · min. income ≈ HK$13,914/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$6,922
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,138
−HK$218/mo
Today · 4.125%
HK$7,356
baseline
▲ 0.50% · 4.625%
HK$7,804
+HK$448/mo
Deposit HK$651K · loan HK$1.52M · min. income ≈ HK$14,712/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,701
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,907
−HK$210/mo
Today · 4.125%
HK$8,117
baseline
▲ 0.50% · 4.625%
HK$8,545
+HK$428/mo
Deposit HK$651K · loan HK$1.52M · min. income ≈ HK$16,234/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,900
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,177
−HK$281/mo
Today · 4.125%
HK$9,458
baseline
▲ 0.50% · 4.625%
HK$10,034
+HK$576/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,916/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$9,901
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,167
−HK$269/mo
Today · 4.125%
HK$10,436
baseline
▲ 0.50% · 4.625%
HK$10,986
+HK$550/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,872/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).