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$4,913
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,066
−HK$155/mo
Today · 4.125%
HK$5,221
baseline
▲ 0.50% · 4.625%
HK$5,539
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,442/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$5,466
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,613
−HK$148/mo
Today · 4.125%
HK$5,761
baseline
▲ 0.50% · 4.625%
HK$6,065
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,522/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$5,896
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,079
−HK$187/mo
Today · 4.125%
HK$6,266
baseline
▲ 0.50% · 4.625%
HK$6,647
+HK$381/mo
Deposit HK$862K · loan HK$1.29M · min. income ≈ HK$12,532/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,559
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,735
−HK$178/mo
Today · 4.125%
HK$6,913
baseline
▲ 0.50% · 4.625%
HK$7,278
+HK$365/mo
Deposit HK$862K · loan HK$1.29M · min. income ≈ HK$13,826/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,879
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,092
−HK$218/mo
Today · 4.125%
HK$7,310
baseline
▲ 0.50% · 4.625%
HK$7,755
+HK$445/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$14,620/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,652
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,858
−HK$208/mo
Today · 4.125%
HK$8,066
baseline
▲ 0.50% · 4.625%
HK$8,491
+HK$425/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$16,132/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,844
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,119
−HK$279/mo
Today · 4.125%
HK$9,398
baseline
▲ 0.50% · 4.625%
HK$9,970
+HK$572/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,796/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$9,839
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,103
−HK$267/mo
Today · 4.125%
HK$10,370
baseline
▲ 0.50% · 4.625%
HK$10,917
+HK$547/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,740/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).