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$4,868
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,019
−HK$154/mo
Today · 4.125%
HK$5,173
baseline
▲ 0.50% · 4.625%
HK$5,488
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,346/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$5,415
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,561
−HK$147/mo
Today · 4.125%
HK$5,708
baseline
▲ 0.50% · 4.625%
HK$6,009
+HK$301/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,416/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$5,841
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,023
−HK$185/mo
Today · 4.125%
HK$6,208
baseline
▲ 0.50% · 4.625%
HK$6,585
+HK$377/mo
Deposit HK$854K · loan HK$1.28M · min. income ≈ HK$12,416/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,498
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,673
−HK$177/mo
Today · 4.125%
HK$6,850
baseline
▲ 0.50% · 4.625%
HK$7,211
+HK$361/mo
Deposit HK$854K · loan HK$1.28M · min. income ≈ HK$13,700/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,815
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,027
−HK$215/mo
Today · 4.125%
HK$7,242
baseline
▲ 0.50% · 4.625%
HK$7,683
+HK$441/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$14,484/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,582
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,785
−HK$206/mo
Today · 4.125%
HK$7,991
baseline
▲ 0.50% · 4.625%
HK$8,412
+HK$421/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$15,982/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,762
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,035
−HK$277/mo
Today · 4.125%
HK$9,312
baseline
▲ 0.50% · 4.625%
HK$9,878
+HK$566/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,624/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$9,748
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,009
−HK$265/mo
Today · 4.125%
HK$10,274
baseline
▲ 0.50% · 4.625%
HK$10,816
+HK$542/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,548/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).