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$4,893
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,045
−HK$155/mo
Today · 4.125%
HK$5,200
baseline
▲ 0.50% · 4.625%
HK$5,516
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,400/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$5,443
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,589
−HK$148/mo
Today · 4.125%
HK$5,737
baseline
▲ 0.50% · 4.625%
HK$6,040
+HK$303/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,474/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$5,871
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,054
−HK$186/mo
Today · 4.125%
HK$6,240
baseline
▲ 0.50% · 4.625%
HK$6,619
+HK$379/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$12,480/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,532
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,707
−HK$178/mo
Today · 4.125%
HK$6,885
baseline
▲ 0.50% · 4.625%
HK$7,248
+HK$363/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$13,770/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,850
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,063
−HK$217/mo
Today · 4.125%
HK$7,280
baseline
▲ 0.50% · 4.625%
HK$7,722
+HK$442/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$14,560/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$7,621
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,825
−HK$207/mo
Today · 4.125%
HK$8,032
baseline
▲ 0.50% · 4.625%
HK$8,456
+HK$424/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$16,064/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$8,807
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,081
−HK$278/mo
Today · 4.125%
HK$9,359
baseline
▲ 0.50% · 4.625%
HK$9,929
+HK$570/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,718/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$9,798
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,061
−HK$266/mo
Today · 4.125%
HK$10,327
baseline
▲ 0.50% · 4.625%
HK$10,871
+HK$544/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,654/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).