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$4,896
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,049
−HK$154/mo
Today · 4.125%
HK$5,203
baseline
▲ 0.50% · 4.625%
HK$5,520
+HK$317/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,406/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$5,447
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,593
−HK$148/mo
Today · 4.125%
HK$5,741
baseline
▲ 0.50% · 4.625%
HK$6,044
+HK$303/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,482/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$5,875
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,058
−HK$186/mo
Today · 4.125%
HK$6,244
baseline
▲ 0.50% · 4.625%
HK$6,624
+HK$380/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$12,488/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,536
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,712
−HK$178/mo
Today · 4.125%
HK$6,890
baseline
▲ 0.50% · 4.625%
HK$7,253
+HK$363/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$13,780/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,855
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,068
−HK$217/mo
Today · 4.125%
HK$7,285
baseline
▲ 0.50% · 4.625%
HK$7,728
+HK$443/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$14,570/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,626
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,830
−HK$208/mo
Today · 4.125%
HK$8,038
baseline
▲ 0.50% · 4.625%
HK$8,462
+HK$424/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$16,076/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,813
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,087
−HK$279/mo
Today · 4.125%
HK$9,366
baseline
▲ 0.50% · 4.625%
HK$9,936
+HK$570/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,732/mo (50% DSR)
Upfront cash ≈ HK$215K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,805
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,068
−HK$266/mo
Today · 4.125%
HK$10,334
baseline
▲ 0.50% · 4.625%
HK$10,879
+HK$545/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,668/mo (50% DSR)
Upfront cash ≈ HK$215K (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).