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$4,941
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,095
−HK$156/mo
Today · 4.125%
HK$5,251
baseline
▲ 0.50% · 4.625%
HK$5,571
+HK$320/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,502/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$5,497
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,645
−HK$149/mo
Today · 4.125%
HK$5,794
baseline
▲ 0.50% · 4.625%
HK$6,100
+HK$306/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,588/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$5,930
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,114
−HK$188/mo
Today · 4.125%
HK$6,302
baseline
▲ 0.50% · 4.625%
HK$6,685
+HK$383/mo
Deposit HK$867K · loan HK$1.30M · min. income ≈ HK$12,604/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$6,597
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,774
−HK$179/mo
Today · 4.125%
HK$6,953
baseline
▲ 0.50% · 4.625%
HK$7,320
+HK$367/mo
Deposit HK$867K · loan HK$1.30M · min. income ≈ HK$13,906/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$6,918
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,133
−HK$219/mo
Today · 4.125%
HK$7,352
baseline
▲ 0.50% · 4.625%
HK$7,799
+HK$447/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$14,704/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,696
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,903
−HK$209/mo
Today · 4.125%
HK$8,112
baseline
▲ 0.50% · 4.625%
HK$8,540
+HK$428/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$16,224/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,895
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,171
−HK$281/mo
Today · 4.125%
HK$9,452
baseline
▲ 0.50% · 4.625%
HK$10,028
+HK$576/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,904/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$9,895
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,161
−HK$269/mo
Today · 4.125%
HK$10,430
baseline
▲ 0.50% · 4.625%
HK$10,980
+HK$550/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,860/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).