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$4,871
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,023
−HK$154/mo
Today · 4.125%
HK$5,177
baseline
▲ 0.50% · 4.625%
HK$5,491
+HK$314/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,354/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$5,419
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,564
−HK$148/mo
Today · 4.125%
HK$5,712
baseline
▲ 0.50% · 4.625%
HK$6,013
+HK$301/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,424/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$5,845
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,027
−HK$185/mo
Today · 4.125%
HK$6,212
baseline
▲ 0.50% · 4.625%
HK$6,590
+HK$378/mo
Deposit HK$854K · loan HK$1.28M · min. income ≈ HK$12,424/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,503
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,677
−HK$177/mo
Today · 4.125%
HK$6,854
baseline
▲ 0.50% · 4.625%
HK$7,215
+HK$361/mo
Deposit HK$854K · loan HK$1.28M · min. income ≈ HK$13,708/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,819
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,032
−HK$215/mo
Today · 4.125%
HK$7,247
baseline
▲ 0.50% · 4.625%
HK$7,688
+HK$441/mo
Deposit HK$641K · loan HK$1.50M · min. income ≈ HK$14,494/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,587
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,790
−HK$206/mo
Today · 4.125%
HK$7,996
baseline
▲ 0.50% · 4.625%
HK$8,418
+HK$422/mo
Deposit HK$641K · loan HK$1.50M · min. income ≈ HK$15,992/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,768
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,041
−HK$277/mo
Today · 4.125%
HK$9,318
baseline
▲ 0.50% · 4.625%
HK$9,885
+HK$567/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$18,636/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$9,754
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,016
−HK$265/mo
Today · 4.125%
HK$10,281
baseline
▲ 0.50% · 4.625%
HK$10,823
+HK$542/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$20,562/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).