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$4,934
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,088
−HK$156/mo
Today · 4.125%
HK$5,244
baseline
▲ 0.50% · 4.625%
HK$5,563
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,488/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$5,489
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,636
−HK$150/mo
Today · 4.125%
HK$5,786
baseline
▲ 0.50% · 4.625%
HK$6,091
+HK$305/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,572/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$5,921
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,105
−HK$187/mo
Today · 4.125%
HK$6,292
baseline
▲ 0.50% · 4.625%
HK$6,675
+HK$383/mo
Deposit HK$866K · loan HK$1.30M · min. income ≈ HK$12,584/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,587
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,764
−HK$179/mo
Today · 4.125%
HK$6,943
baseline
▲ 0.50% · 4.625%
HK$7,309
+HK$366/mo
Deposit HK$866K · loan HK$1.30M · min. income ≈ HK$13,886/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,908
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,123
−HK$218/mo
Today · 4.125%
HK$7,341
baseline
▲ 0.50% · 4.625%
HK$7,788
+HK$447/mo
Deposit HK$649K · loan HK$1.51M · min. income ≈ HK$14,682/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$7,685
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,891
−HK$209/mo
Today · 4.125%
HK$8,100
baseline
▲ 0.50% · 4.625%
HK$8,527
+HK$427/mo
Deposit HK$649K · loan HK$1.51M · min. income ≈ HK$16,200/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$8,882
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,158
−HK$280/mo
Today · 4.125%
HK$9,438
baseline
▲ 0.50% · 4.625%
HK$10,013
+HK$575/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$18,876/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$9,881
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,146
−HK$268/mo
Today · 4.125%
HK$10,414
baseline
▲ 0.50% · 4.625%
HK$10,963
+HK$549/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$20,828/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).