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$4,872
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,023
−HK$154/mo
Today · 4.125%
HK$5,177
baseline
▲ 0.50% · 4.625%
HK$5,492
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,354/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$5,420
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,565
−HK$147/mo
Today · 4.125%
HK$5,712
baseline
▲ 0.50% · 4.625%
HK$6,014
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,424/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$5,846
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,028
−HK$185/mo
Today · 4.125%
HK$6,213
baseline
▲ 0.50% · 4.625%
HK$6,591
+HK$378/mo
Deposit HK$855K · loan HK$1.28M · min. income ≈ HK$12,426/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,504
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,678
−HK$177/mo
Today · 4.125%
HK$6,855
baseline
▲ 0.50% · 4.625%
HK$7,216
+HK$361/mo
Deposit HK$855K · loan HK$1.28M · min. income ≈ HK$13,710/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,820
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,032
−HK$216/mo
Today · 4.125%
HK$7,248
baseline
▲ 0.50% · 4.625%
HK$7,689
+HK$441/mo
Deposit HK$641K · loan HK$1.50M · min. income ≈ HK$14,496/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,588
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,791
−HK$206/mo
Today · 4.125%
HK$7,997
baseline
▲ 0.50% · 4.625%
HK$8,419
+HK$422/mo
Deposit HK$641K · loan HK$1.50M · min. income ≈ HK$15,994/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,769
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,042
−HK$277/mo
Today · 4.125%
HK$9,319
baseline
▲ 0.50% · 4.625%
HK$9,886
+HK$567/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$18,638/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$9,755
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,017
−HK$265/mo
Today · 4.125%
HK$10,282
baseline
▲ 0.50% · 4.625%
HK$10,824
+HK$542/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$20,564/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).