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$4,889
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,041
−HK$154/mo
Today · 4.125%
HK$5,195
baseline
▲ 0.50% · 4.625%
HK$5,511
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,390/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$5,439
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,585
−HK$147/mo
Today · 4.125%
HK$5,732
baseline
▲ 0.50% · 4.625%
HK$6,035
+HK$303/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,464/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$5,866
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,049
−HK$185/mo
Today · 4.125%
HK$6,234
baseline
▲ 0.50% · 4.625%
HK$6,614
+HK$380/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$12,468/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,526
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,701
−HK$178/mo
Today · 4.125%
HK$6,879
baseline
▲ 0.50% · 4.625%
HK$7,242
+HK$363/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$13,758/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,844
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,057
−HK$216/mo
Today · 4.125%
HK$7,273
baseline
▲ 0.50% · 4.625%
HK$7,716
+HK$443/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$14,546/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,614
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,818
−HK$207/mo
Today · 4.125%
HK$8,025
baseline
▲ 0.50% · 4.625%
HK$8,449
+HK$424/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$16,050/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,800
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,073
−HK$279/mo
Today · 4.125%
HK$9,352
baseline
▲ 0.50% · 4.625%
HK$9,921
+HK$569/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,704/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$9,790
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,052
−HK$266/mo
Today · 4.125%
HK$10,318
baseline
▲ 0.50% · 4.625%
HK$10,862
+HK$544/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,636/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).