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$4,915
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,068
−HK$155/mo
Today · 4.125%
HK$5,223
baseline
▲ 0.50% · 4.625%
HK$5,541
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,446/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$5,468
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,615
−HK$148/mo
Today · 4.125%
HK$5,763
baseline
▲ 0.50% · 4.625%
HK$6,067
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,526/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$5,898
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,082
−HK$186/mo
Today · 4.125%
HK$6,268
baseline
▲ 0.50% · 4.625%
HK$6,649
+HK$381/mo
Deposit HK$862K · loan HK$1.29M · min. income ≈ HK$12,536/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$6,562
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,738
−HK$178/mo
Today · 4.125%
HK$6,916
baseline
▲ 0.50% · 4.625%
HK$7,281
+HK$365/mo
Deposit HK$862K · loan HK$1.29M · min. income ≈ HK$13,832/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$6,881
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,095
−HK$218/mo
Today · 4.125%
HK$7,313
baseline
▲ 0.50% · 4.625%
HK$7,758
+HK$445/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$14,626/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$7,655
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,861
−HK$208/mo
Today · 4.125%
HK$8,069
baseline
▲ 0.50% · 4.625%
HK$8,494
+HK$425/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$16,138/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$8,847
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,122
−HK$280/mo
Today · 4.125%
HK$9,402
baseline
▲ 0.50% · 4.625%
HK$9,974
+HK$572/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,804/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$9,842
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,106
−HK$268/mo
Today · 4.125%
HK$10,374
baseline
▲ 0.50% · 4.625%
HK$10,921
+HK$547/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,748/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).