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$4,907
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,060
−HK$155/mo
Today · 4.125%
HK$5,215
baseline
▲ 0.50% · 4.625%
HK$5,532
+HK$317/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,430/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$5,459
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,605
−HK$149/mo
Today · 4.125%
HK$5,754
baseline
▲ 0.50% · 4.625%
HK$6,057
+HK$303/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,508/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$5,888
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,071
−HK$187/mo
Today · 4.125%
HK$6,258
baseline
▲ 0.50% · 4.625%
HK$6,638
+HK$380/mo
Deposit HK$861K · loan HK$1.29M · min. income ≈ HK$12,516/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,551
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,726
−HK$179/mo
Today · 4.125%
HK$6,905
baseline
▲ 0.50% · 4.625%
HK$7,269
+HK$364/mo
Deposit HK$861K · loan HK$1.29M · min. income ≈ HK$13,810/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,870
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,083
−HK$217/mo
Today · 4.125%
HK$7,300
baseline
▲ 0.50% · 4.625%
HK$7,745
+HK$445/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$14,600/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,642
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,847
−HK$208/mo
Today · 4.125%
HK$8,055
baseline
▲ 0.50% · 4.625%
HK$8,480
+HK$425/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$16,110/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,832
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,107
−HK$279/mo
Today · 4.125%
HK$9,386
baseline
▲ 0.50% · 4.625%
HK$9,957
+HK$571/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,772/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$9,826
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,090
−HK$267/mo
Today · 4.125%
HK$10,357
baseline
▲ 0.50% · 4.625%
HK$10,903
+HK$546/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,714/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).