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$4,880
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,032
−HK$154/mo
Today · 4.125%
HK$5,186
baseline
▲ 0.50% · 4.625%
HK$5,502
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,372/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$5,429
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,575
−HK$148/mo
Today · 4.125%
HK$5,723
baseline
▲ 0.50% · 4.625%
HK$6,024
+HK$301/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,446/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$5,856
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,038
−HK$186/mo
Today · 4.125%
HK$6,224
baseline
▲ 0.50% · 4.625%
HK$6,602
+HK$378/mo
Deposit HK$856K · loan HK$1.28M · min. income ≈ HK$12,448/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,515
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,690
−HK$177/mo
Today · 4.125%
HK$6,867
baseline
▲ 0.50% · 4.625%
HK$7,229
+HK$362/mo
Deposit HK$856K · loan HK$1.28M · min. income ≈ HK$13,734/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,832
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,045
−HK$216/mo
Today · 4.125%
HK$7,261
baseline
▲ 0.50% · 4.625%
HK$7,703
+HK$442/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$14,522/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,601
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,805
−HK$207/mo
Today · 4.125%
HK$8,012
baseline
▲ 0.50% · 4.625%
HK$8,434
+HK$422/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$16,024/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,784
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,058
−HK$277/mo
Today · 4.125%
HK$9,335
baseline
▲ 0.50% · 4.625%
HK$9,903
+HK$568/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,670/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$9,773
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,035
−HK$266/mo
Today · 4.125%
HK$10,301
baseline
▲ 0.50% · 4.625%
HK$10,844
+HK$543/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,602/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).