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$4,871
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,022
−HK$154/mo
Today · 4.125%
HK$5,176
baseline
▲ 0.50% · 4.625%
HK$5,491
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,352/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$5,419
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,564
−HK$147/mo
Today · 4.125%
HK$5,711
baseline
▲ 0.50% · 4.625%
HK$6,013
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,422/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$5,845
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,027
−HK$185/mo
Today · 4.125%
HK$6,212
baseline
▲ 0.50% · 4.625%
HK$6,589
+HK$377/mo
Deposit HK$854K · loan HK$1.28M · min. income ≈ HK$12,424/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,502
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,677
−HK$177/mo
Today · 4.125%
HK$6,854
baseline
▲ 0.50% · 4.625%
HK$7,215
+HK$361/mo
Deposit HK$854K · loan HK$1.28M · min. income ≈ HK$13,708/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,819
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,031
−HK$216/mo
Today · 4.125%
HK$7,247
baseline
▲ 0.50% · 4.625%
HK$7,688
+HK$441/mo
Deposit HK$641K · loan HK$1.50M · min. income ≈ HK$14,494/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$7,586
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,790
−HK$206/mo
Today · 4.125%
HK$7,996
baseline
▲ 0.50% · 4.625%
HK$8,418
+HK$422/mo
Deposit HK$641K · loan HK$1.50M · min. income ≈ HK$15,992/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$8,767
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,040
−HK$277/mo
Today · 4.125%
HK$9,317
baseline
▲ 0.50% · 4.625%
HK$9,884
+HK$567/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$18,634/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$9,754
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,015
−HK$266/mo
Today · 4.125%
HK$10,281
baseline
▲ 0.50% · 4.625%
HK$10,823
+HK$542/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$20,562/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).