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$4,865
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,016
−HK$154/mo
Today · 4.125%
HK$5,170
baseline
▲ 0.50% · 4.625%
HK$5,485
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,340/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$5,412
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,557
−HK$148/mo
Today · 4.125%
HK$5,705
baseline
▲ 0.50% · 4.625%
HK$6,005
+HK$300/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,410/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$5,838
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,019
−HK$185/mo
Today · 4.125%
HK$6,204
baseline
▲ 0.50% · 4.625%
HK$6,581
+HK$377/mo
Deposit HK$853K · loan HK$1.28M · min. income ≈ HK$12,408/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,495
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,669
−HK$176/mo
Today · 4.125%
HK$6,845
baseline
▲ 0.50% · 4.625%
HK$7,206
+HK$361/mo
Deposit HK$853K · loan HK$1.28M · min. income ≈ HK$13,690/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,811
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,023
−HK$215/mo
Today · 4.125%
HK$7,238
baseline
▲ 0.50% · 4.625%
HK$7,678
+HK$440/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$14,476/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,577
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,780
−HK$206/mo
Today · 4.125%
HK$7,986
baseline
▲ 0.50% · 4.625%
HK$8,407
+HK$421/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$15,972/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,757
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,029
−HK$277/mo
Today · 4.125%
HK$9,306
baseline
▲ 0.50% · 4.625%
HK$9,872
+HK$566/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,612/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,742
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,003
−HK$265/mo
Today · 4.125%
HK$10,268
baseline
▲ 0.50% · 4.625%
HK$10,809
+HK$541/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,536/mo (50% DSR)
Upfront cash ≈ HK$213K (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).