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$4,917
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,070
−HK$155/mo
Today · 4.125%
HK$5,225
baseline
▲ 0.50% · 4.625%
HK$5,543
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,450/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$5,470
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,617
−HK$149/mo
Today · 4.125%
HK$5,766
baseline
▲ 0.50% · 4.625%
HK$6,069
+HK$303/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,532/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$5,900
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,084
−HK$186/mo
Today · 4.125%
HK$6,270
baseline
▲ 0.50% · 4.625%
HK$6,652
+HK$382/mo
Deposit HK$863K · loan HK$1.29M · min. income ≈ HK$12,540/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,564
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,740
−HK$179/mo
Today · 4.125%
HK$6,919
baseline
▲ 0.50% · 4.625%
HK$7,283
+HK$364/mo
Deposit HK$863K · loan HK$1.29M · min. income ≈ HK$13,838/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,884
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,098
−HK$217/mo
Today · 4.125%
HK$7,315
baseline
▲ 0.50% · 4.625%
HK$7,761
+HK$446/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$14,630/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$7,658
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,863
−HK$209/mo
Today · 4.125%
HK$8,072
baseline
▲ 0.50% · 4.625%
HK$8,497
+HK$425/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$16,144/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$8,851
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,126
−HK$280/mo
Today · 4.125%
HK$9,406
baseline
▲ 0.50% · 4.625%
HK$9,978
+HK$572/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,812/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$9,846
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,110
−HK$268/mo
Today · 4.125%
HK$10,378
baseline
▲ 0.50% · 4.625%
HK$10,925
+HK$547/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,756/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).