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$4,886
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,038
−HK$155/mo
Today · 4.125%
HK$5,193
baseline
▲ 0.50% · 4.625%
HK$5,509
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,386/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$5,436
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,582
−HK$147/mo
Today · 4.125%
HK$5,729
baseline
▲ 0.50% · 4.625%
HK$6,031
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,458/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$5,863
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,046
−HK$185/mo
Today · 4.125%
HK$6,231
baseline
▲ 0.50% · 4.625%
HK$6,610
+HK$379/mo
Deposit HK$857K · loan HK$1.29M · min. income ≈ HK$12,462/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$6,523
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,698
−HK$177/mo
Today · 4.125%
HK$6,875
baseline
▲ 0.50% · 4.625%
HK$7,238
+HK$363/mo
Deposit HK$857K · loan HK$1.29M · min. income ≈ HK$13,750/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$6,841
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,053
−HK$217/mo
Today · 4.125%
HK$7,270
baseline
▲ 0.50% · 4.625%
HK$7,712
+HK$442/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$14,540/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$7,610
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,814
−HK$207/mo
Today · 4.125%
HK$8,021
baseline
▲ 0.50% · 4.625%
HK$8,444
+HK$423/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$16,042/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$8,795
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,069
−HK$278/mo
Today · 4.125%
HK$9,347
baseline
▲ 0.50% · 4.625%
HK$9,915
+HK$568/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,694/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$9,784
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,047
−HK$266/mo
Today · 4.125%
HK$10,313
baseline
▲ 0.50% · 4.625%
HK$10,857
+HK$544/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,626/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).