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$4,887
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,039
−HK$154/mo
Today · 4.125%
HK$5,193
baseline
▲ 0.50% · 4.625%
HK$5,509
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,386/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$5,436
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,582
−HK$148/mo
Today · 4.125%
HK$5,730
baseline
▲ 0.50% · 4.625%
HK$6,032
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,460/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$5,864
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,046
−HK$186/mo
Today · 4.125%
HK$6,232
baseline
▲ 0.50% · 4.625%
HK$6,611
+HK$379/mo
Deposit HK$857K · loan HK$1.29M · min. income ≈ HK$12,464/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,523
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,698
−HK$178/mo
Today · 4.125%
HK$6,876
baseline
▲ 0.50% · 4.625%
HK$7,238
+HK$362/mo
Deposit HK$857K · loan HK$1.29M · min. income ≈ HK$13,752/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,841
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,054
−HK$216/mo
Today · 4.125%
HK$7,270
baseline
▲ 0.50% · 4.625%
HK$7,713
+HK$443/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$14,540/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,611
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,815
−HK$207/mo
Today · 4.125%
HK$8,022
baseline
▲ 0.50% · 4.625%
HK$8,445
+HK$423/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$16,044/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,796
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,069
−HK$278/mo
Today · 4.125%
HK$9,347
baseline
▲ 0.50% · 4.625%
HK$9,916
+HK$569/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,694/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$9,785
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,048
−HK$266/mo
Today · 4.125%
HK$10,314
baseline
▲ 0.50% · 4.625%
HK$10,857
+HK$543/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,628/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).