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$4,937
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,090
−HK$156/mo
Today · 4.125%
HK$5,246
baseline
▲ 0.50% · 4.625%
HK$5,565
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,492/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$5,492
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,639
−HK$150/mo
Today · 4.125%
HK$5,789
baseline
▲ 0.50% · 4.625%
HK$6,094
+HK$305/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,578/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$5,924
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,108
−HK$187/mo
Today · 4.125%
HK$6,295
baseline
▲ 0.50% · 4.625%
HK$6,678
+HK$383/mo
Deposit HK$866K · loan HK$1.30M · min. income ≈ HK$12,590/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,590
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,767
−HK$179/mo
Today · 4.125%
HK$6,946
baseline
▲ 0.50% · 4.625%
HK$7,312
+HK$366/mo
Deposit HK$866K · loan HK$1.30M · min. income ≈ HK$13,892/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,911
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,126
−HK$219/mo
Today · 4.125%
HK$7,345
baseline
▲ 0.50% · 4.625%
HK$7,791
+HK$446/mo
Deposit HK$649K · loan HK$1.52M · min. income ≈ HK$14,690/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,689
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,895
−HK$209/mo
Today · 4.125%
HK$8,104
baseline
▲ 0.50% · 4.625%
HK$8,531
+HK$427/mo
Deposit HK$649K · loan HK$1.52M · min. income ≈ HK$16,208/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,886
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,162
−HK$281/mo
Today · 4.125%
HK$9,443
baseline
▲ 0.50% · 4.625%
HK$10,018
+HK$575/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$18,886/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,885
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,150
−HK$269/mo
Today · 4.125%
HK$10,419
baseline
▲ 0.50% · 4.625%
HK$10,969
+HK$550/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$20,838/mo (50% DSR)
Upfront cash ≈ HK$217K (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).