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$4,881
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,033
−HK$155/mo
Today · 4.125%
HK$5,188
baseline
▲ 0.50% · 4.625%
HK$5,503
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,376/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$5,431
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,576
−HK$148/mo
Today · 4.125%
HK$5,724
baseline
▲ 0.50% · 4.625%
HK$6,026
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,448/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$5,858
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,040
−HK$185/mo
Today · 4.125%
HK$6,225
baseline
▲ 0.50% · 4.625%
HK$6,604
+HK$379/mo
Deposit HK$856K · loan HK$1.28M · min. income ≈ HK$12,450/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$6,517
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,691
−HK$178/mo
Today · 4.125%
HK$6,869
baseline
▲ 0.50% · 4.625%
HK$7,231
+HK$362/mo
Deposit HK$856K · loan HK$1.28M · min. income ≈ HK$13,738/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$6,834
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,047
−HK$216/mo
Today · 4.125%
HK$7,263
baseline
▲ 0.50% · 4.625%
HK$7,704
+HK$441/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$14,526/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$7,603
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,807
−HK$206/mo
Today · 4.125%
HK$8,013
baseline
▲ 0.50% · 4.625%
HK$8,436
+HK$423/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$16,026/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$8,787
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,060
−HK$278/mo
Today · 4.125%
HK$9,338
baseline
▲ 0.50% · 4.625%
HK$9,906
+HK$568/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,676/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$9,775
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,037
−HK$266/mo
Today · 4.125%
HK$10,303
baseline
▲ 0.50% · 4.625%
HK$10,846
+HK$543/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,606/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).