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$4,922
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,075
−HK$155/mo
Today · 4.125%
HK$5,230
baseline
▲ 0.50% · 4.625%
HK$5,548
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,460/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$5,475
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,622
−HK$149/mo
Today · 4.125%
HK$5,771
baseline
▲ 0.50% · 4.625%
HK$6,075
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,542/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$5,906
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,090
−HK$186/mo
Today · 4.125%
HK$6,276
baseline
▲ 0.50% · 4.625%
HK$6,658
+HK$382/mo
Deposit HK$863K · loan HK$1.29M · min. income ≈ HK$12,552/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$6,570
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,746
−HK$179/mo
Today · 4.125%
HK$6,925
baseline
▲ 0.50% · 4.625%
HK$7,290
+HK$365/mo
Deposit HK$863K · loan HK$1.29M · min. income ≈ HK$13,850/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$6,890
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,104
−HK$218/mo
Today · 4.125%
HK$7,322
baseline
▲ 0.50% · 4.625%
HK$7,768
+HK$446/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$14,644/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,665
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,871
−HK$208/mo
Today · 4.125%
HK$8,079
baseline
▲ 0.50% · 4.625%
HK$8,505
+HK$426/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$16,158/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,859
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,134
−HK$280/mo
Today · 4.125%
HK$9,414
baseline
▲ 0.50% · 4.625%
HK$9,987
+HK$573/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,828/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$9,855
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,120
−HK$268/mo
Today · 4.125%
HK$10,388
baseline
▲ 0.50% · 4.625%
HK$10,935
+HK$547/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,776/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).