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$4,920
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,073
−HK$155/mo
Today · 4.125%
HK$5,228
baseline
▲ 0.50% · 4.625%
HK$5,546
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,456/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$5,473
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,620
−HK$149/mo
Today · 4.125%
HK$5,769
baseline
▲ 0.50% · 4.625%
HK$6,073
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,538/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$5,904
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,087
−HK$187/mo
Today · 4.125%
HK$6,274
baseline
▲ 0.50% · 4.625%
HK$6,656
+HK$382/mo
Deposit HK$863K · loan HK$1.29M · min. income ≈ HK$12,548/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,568
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,744
−HK$179/mo
Today · 4.125%
HK$6,923
baseline
▲ 0.50% · 4.625%
HK$7,288
+HK$365/mo
Deposit HK$863K · loan HK$1.29M · min. income ≈ HK$13,846/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,888
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,102
−HK$218/mo
Today · 4.125%
HK$7,320
baseline
▲ 0.50% · 4.625%
HK$7,765
+HK$445/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$14,640/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,663
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,868
−HK$208/mo
Today · 4.125%
HK$8,076
baseline
▲ 0.50% · 4.625%
HK$8,502
+HK$426/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$16,152/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,856
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,131
−HK$280/mo
Today · 4.125%
HK$9,411
baseline
▲ 0.50% · 4.625%
HK$9,984
+HK$573/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,822/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$9,852
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,116
−HK$268/mo
Today · 4.125%
HK$10,384
baseline
▲ 0.50% · 4.625%
HK$10,931
+HK$547/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,768/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).