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$4,879
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,031
−HK$154/mo
Today · 4.125%
HK$5,185
baseline
▲ 0.50% · 4.625%
HK$5,500
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,370/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$5,428
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,573
−HK$148/mo
Today · 4.125%
HK$5,721
baseline
▲ 0.50% · 4.625%
HK$6,022
+HK$301/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,442/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$5,855
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,037
−HK$185/mo
Today · 4.125%
HK$6,222
baseline
▲ 0.50% · 4.625%
HK$6,600
+HK$378/mo
Deposit HK$856K · loan HK$1.28M · min. income ≈ HK$12,444/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,513
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,688
−HK$177/mo
Today · 4.125%
HK$6,865
baseline
▲ 0.50% · 4.625%
HK$7,227
+HK$362/mo
Deposit HK$856K · loan HK$1.28M · min. income ≈ HK$13,730/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,830
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,043
−HK$216/mo
Today · 4.125%
HK$7,259
baseline
▲ 0.50% · 4.625%
HK$7,700
+HK$441/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$14,518/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,599
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,802
−HK$207/mo
Today · 4.125%
HK$8,009
baseline
▲ 0.50% · 4.625%
HK$8,431
+HK$422/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$16,018/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,782
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,055
−HK$278/mo
Today · 4.125%
HK$9,333
baseline
▲ 0.50% · 4.625%
HK$9,900
+HK$567/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,666/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$9,770
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,032
−HK$266/mo
Today · 4.125%
HK$10,298
baseline
▲ 0.50% · 4.625%
HK$10,840
+HK$542/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,596/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).