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$4,933
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,087
−HK$155/mo
Today · 4.125%
HK$5,242
baseline
▲ 0.50% · 4.625%
HK$5,561
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,484/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$5,488
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,635
−HK$150/mo
Today · 4.125%
HK$5,785
baseline
▲ 0.50% · 4.625%
HK$6,089
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,570/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$5,920
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,104
−HK$187/mo
Today · 4.125%
HK$6,291
baseline
▲ 0.50% · 4.625%
HK$6,674
+HK$383/mo
Deposit HK$865K · loan HK$1.30M · min. income ≈ HK$12,582/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$6,586
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,762
−HK$179/mo
Today · 4.125%
HK$6,941
baseline
▲ 0.50% · 4.625%
HK$7,307
+HK$366/mo
Deposit HK$865K · loan HK$1.30M · min. income ≈ HK$13,882/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$6,906
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,121
−HK$218/mo
Today · 4.125%
HK$7,339
baseline
▲ 0.50% · 4.625%
HK$7,786
+HK$447/mo
Deposit HK$649K · loan HK$1.51M · min. income ≈ HK$14,678/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$7,683
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,889
−HK$209/mo
Today · 4.125%
HK$8,098
baseline
▲ 0.50% · 4.625%
HK$8,525
+HK$427/mo
Deposit HK$649K · loan HK$1.51M · min. income ≈ HK$16,196/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$8,880
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,156
−HK$280/mo
Today · 4.125%
HK$9,436
baseline
▲ 0.50% · 4.625%
HK$10,011
+HK$575/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$18,872/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$9,878
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,143
−HK$269/mo
Today · 4.125%
HK$10,412
baseline
▲ 0.50% · 4.625%
HK$10,961
+HK$549/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$20,824/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).