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$4,869
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,020
−HK$154/mo
Today · 4.125%
HK$5,174
baseline
▲ 0.50% · 4.625%
HK$5,489
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,348/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$5,416
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,562
−HK$147/mo
Today · 4.125%
HK$5,709
baseline
▲ 0.50% · 4.625%
HK$6,010
+HK$301/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,418/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$5,843
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,024
−HK$185/mo
Today · 4.125%
HK$6,209
baseline
▲ 0.50% · 4.625%
HK$6,587
+HK$378/mo
Deposit HK$854K · loan HK$1.28M · min. income ≈ HK$12,418/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,500
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,674
−HK$177/mo
Today · 4.125%
HK$6,851
baseline
▲ 0.50% · 4.625%
HK$7,212
+HK$361/mo
Deposit HK$854K · loan HK$1.28M · min. income ≈ HK$13,702/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,816
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,028
−HK$216/mo
Today · 4.125%
HK$7,244
baseline
▲ 0.50% · 4.625%
HK$7,685
+HK$441/mo
Deposit HK$641K · loan HK$1.49M · min. income ≈ HK$14,488/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,583
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,786
−HK$207/mo
Today · 4.125%
HK$7,993
baseline
▲ 0.50% · 4.625%
HK$8,414
+HK$421/mo
Deposit HK$641K · loan HK$1.49M · min. income ≈ HK$15,986/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,764
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,036
−HK$277/mo
Today · 4.125%
HK$9,313
baseline
▲ 0.50% · 4.625%
HK$9,880
+HK$567/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$18,626/mo (50% DSR)
Upfront cash ≈ HK$214K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,750
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,011
−HK$265/mo
Today · 4.125%
HK$10,276
baseline
▲ 0.50% · 4.625%
HK$10,818
+HK$542/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$20,552/mo (50% DSR)
Upfront cash ≈ HK$214K (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).