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$4,929
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,082
−HK$156/mo
Today · 4.125%
HK$5,238
baseline
▲ 0.50% · 4.625%
HK$5,556
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,476/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$5,483
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,630
−HK$149/mo
Today · 4.125%
HK$5,779
baseline
▲ 0.50% · 4.625%
HK$6,084
+HK$305/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,558/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$5,914
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,098
−HK$187/mo
Today · 4.125%
HK$6,285
baseline
▲ 0.50% · 4.625%
HK$6,668
+HK$383/mo
Deposit HK$865K · loan HK$1.30M · min. income ≈ HK$12,570/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,580
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,756
−HK$179/mo
Today · 4.125%
HK$6,935
baseline
▲ 0.50% · 4.625%
HK$7,301
+HK$366/mo
Deposit HK$865K · loan HK$1.30M · min. income ≈ HK$13,870/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,900
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,115
−HK$218/mo
Today · 4.125%
HK$7,333
baseline
▲ 0.50% · 4.625%
HK$7,779
+HK$446/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$14,666/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,676
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,882
−HK$209/mo
Today · 4.125%
HK$8,091
baseline
▲ 0.50% · 4.625%
HK$8,517
+HK$426/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$16,182/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,872
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,147
−HK$281/mo
Today · 4.125%
HK$9,428
baseline
▲ 0.50% · 4.625%
HK$10,002
+HK$574/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$18,856/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$9,869
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,134
−HK$269/mo
Today · 4.125%
HK$10,403
baseline
▲ 0.50% · 4.625%
HK$10,951
+HK$548/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$20,806/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).