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$4,935
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,089
−HK$155/mo
Today · 4.125%
HK$5,244
baseline
▲ 0.50% · 4.625%
HK$5,564
+HK$320/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,488/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$5,490
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,637
−HK$150/mo
Today · 4.125%
HK$5,787
baseline
▲ 0.50% · 4.625%
HK$6,092
+HK$305/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,574/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$5,922
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,106
−HK$187/mo
Today · 4.125%
HK$6,293
baseline
▲ 0.50% · 4.625%
HK$6,676
+HK$383/mo
Deposit HK$866K · loan HK$1.30M · min. income ≈ HK$12,586/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,588
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,765
−HK$179/mo
Today · 4.125%
HK$6,944
baseline
▲ 0.50% · 4.625%
HK$7,310
+HK$366/mo
Deposit HK$866K · loan HK$1.30M · min. income ≈ HK$13,888/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,909
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,124
−HK$218/mo
Today · 4.125%
HK$7,342
baseline
▲ 0.50% · 4.625%
HK$7,789
+HK$447/mo
Deposit HK$649K · loan HK$1.51M · min. income ≈ HK$14,684/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,686
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,892
−HK$209/mo
Today · 4.125%
HK$8,101
baseline
▲ 0.50% · 4.625%
HK$8,529
+HK$428/mo
Deposit HK$649K · loan HK$1.51M · min. income ≈ HK$16,202/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,883
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,159
−HK$281/mo
Today · 4.125%
HK$9,440
baseline
▲ 0.50% · 4.625%
HK$10,014
+HK$574/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$18,880/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,882
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,147
−HK$269/mo
Today · 4.125%
HK$10,416
baseline
▲ 0.50% · 4.625%
HK$10,965
+HK$549/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$20,832/mo (50% DSR)
Upfront cash ≈ HK$217K (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).