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$4,923
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,077
−HK$155/mo
Today · 4.125%
HK$5,232
baseline
▲ 0.50% · 4.625%
HK$5,551
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,464/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$5,477
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,624
−HK$149/mo
Today · 4.125%
HK$5,773
baseline
▲ 0.50% · 4.625%
HK$6,078
+HK$305/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,546/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$5,908
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,092
−HK$187/mo
Today · 4.125%
HK$6,279
baseline
▲ 0.50% · 4.625%
HK$6,661
+HK$382/mo
Deposit HK$864K · loan HK$1.30M · min. income ≈ HK$12,558/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,573
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,749
−HK$179/mo
Today · 4.125%
HK$6,928
baseline
▲ 0.50% · 4.625%
HK$7,293
+HK$365/mo
Deposit HK$864K · loan HK$1.30M · min. income ≈ HK$13,856/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,893
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,107
−HK$218/mo
Today · 4.125%
HK$7,325
baseline
▲ 0.50% · 4.625%
HK$7,771
+HK$446/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$14,650/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$7,668
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,874
−HK$208/mo
Today · 4.125%
HK$8,082
baseline
▲ 0.50% · 4.625%
HK$8,509
+HK$427/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$16,164/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$8,862
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,138
−HK$280/mo
Today · 4.125%
HK$9,418
baseline
▲ 0.50% · 4.625%
HK$9,991
+HK$573/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,836/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$9,859
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,124
−HK$268/mo
Today · 4.125%
HK$10,392
baseline
▲ 0.50% · 4.625%
HK$10,940
+HK$548/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,784/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).