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$4,896
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,048
−HK$155/mo
Today · 4.125%
HK$5,203
baseline
▲ 0.50% · 4.625%
HK$5,519
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,406/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$5,446
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,592
−HK$149/mo
Today · 4.125%
HK$5,741
baseline
▲ 0.50% · 4.625%
HK$6,043
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,482/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$5,875
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,057
−HK$186/mo
Today · 4.125%
HK$6,243
baseline
▲ 0.50% · 4.625%
HK$6,623
+HK$380/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$12,486/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,536
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,711
−HK$178/mo
Today · 4.125%
HK$6,889
baseline
▲ 0.50% · 4.625%
HK$7,252
+HK$363/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$13,778/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,854
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,067
−HK$217/mo
Today · 4.125%
HK$7,284
baseline
▲ 0.50% · 4.625%
HK$7,727
+HK$443/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$14,568/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,625
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,829
−HK$208/mo
Today · 4.125%
HK$8,037
baseline
▲ 0.50% · 4.625%
HK$8,460
+HK$423/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$16,074/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,812
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,086
−HK$279/mo
Today · 4.125%
HK$9,365
baseline
▲ 0.50% · 4.625%
HK$9,934
+HK$569/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,730/mo (50% DSR)
Upfront cash ≈ HK$215K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,803
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,066
−HK$267/mo
Today · 4.125%
HK$10,333
baseline
▲ 0.50% · 4.625%
HK$10,878
+HK$545/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,666/mo (50% DSR)
Upfront cash ≈ HK$215K (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).