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$4,930
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,083
−HK$156/mo
Today · 4.125%
HK$5,239
baseline
▲ 0.50% · 4.625%
HK$5,558
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,478/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$5,484
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,631
−HK$150/mo
Today · 4.125%
HK$5,781
baseline
▲ 0.50% · 4.625%
HK$6,085
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,562/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$5,916
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,100
−HK$187/mo
Today · 4.125%
HK$6,287
baseline
▲ 0.50% · 4.625%
HK$6,669
+HK$382/mo
Deposit HK$865K · loan HK$1.30M · min. income ≈ HK$12,574/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,581
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,758
−HK$179/mo
Today · 4.125%
HK$6,937
baseline
▲ 0.50% · 4.625%
HK$7,302
+HK$365/mo
Deposit HK$865K · loan HK$1.30M · min. income ≈ HK$13,874/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,902
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,116
−HK$219/mo
Today · 4.125%
HK$7,335
baseline
▲ 0.50% · 4.625%
HK$7,781
+HK$446/mo
Deposit HK$649K · loan HK$1.51M · min. income ≈ HK$14,670/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,678
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,884
−HK$209/mo
Today · 4.125%
HK$8,093
baseline
▲ 0.50% · 4.625%
HK$8,519
+HK$426/mo
Deposit HK$649K · loan HK$1.51M · min. income ≈ HK$16,186/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,874
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,150
−HK$280/mo
Today · 4.125%
HK$9,430
baseline
▲ 0.50% · 4.625%
HK$10,004
+HK$574/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$18,860/mo (50% DSR)
Upfront cash ≈ HK$216K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,872
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,137
−HK$268/mo
Today · 4.125%
HK$10,405
baseline
▲ 0.50% · 4.625%
HK$10,954
+HK$549/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$20,810/mo (50% DSR)
Upfront cash ≈ HK$216K (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).