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$4,909
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,062
−HK$155/mo
Today · 4.125%
HK$5,217
baseline
▲ 0.50% · 4.625%
HK$5,534
+HK$317/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,434/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$5,461
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,608
−HK$148/mo
Today · 4.125%
HK$5,756
baseline
▲ 0.50% · 4.625%
HK$6,060
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,512/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$5,891
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,074
−HK$186/mo
Today · 4.125%
HK$6,260
baseline
▲ 0.50% · 4.625%
HK$6,641
+HK$381/mo
Deposit HK$861K · loan HK$1.29M · min. income ≈ HK$12,520/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,554
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,729
−HK$179/mo
Today · 4.125%
HK$6,908
baseline
▲ 0.50% · 4.625%
HK$7,272
+HK$364/mo
Deposit HK$861K · loan HK$1.29M · min. income ≈ HK$13,816/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,873
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,087
−HK$217/mo
Today · 4.125%
HK$7,304
baseline
▲ 0.50% · 4.625%
HK$7,748
+HK$444/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$14,608/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,646
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,851
−HK$208/mo
Today · 4.125%
HK$8,059
baseline
▲ 0.50% · 4.625%
HK$8,484
+HK$425/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$16,118/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,836
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,111
−HK$279/mo
Today · 4.125%
HK$9,390
baseline
▲ 0.50% · 4.625%
HK$9,962
+HK$572/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,780/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$9,830
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,094
−HK$267/mo
Today · 4.125%
HK$10,361
baseline
▲ 0.50% · 4.625%
HK$10,908
+HK$547/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,722/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).