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$4,882
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,034
−HK$154/mo
Today · 4.125%
HK$5,188
baseline
▲ 0.50% · 4.625%
HK$5,504
+HK$316/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$294/mo
▼ 0.25% · 3.875%
HK$5,577
−HK$148/mo
Today · 4.125%
HK$5,725
baseline
▲ 0.50% · 4.625%
HK$6,027
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,450/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$5,859
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,041
−HK$185/mo
Today · 4.125%
HK$6,226
baseline
▲ 0.50% · 4.625%
HK$6,605
+HK$379/mo
Deposit HK$856K · loan HK$1.28M · min. income ≈ HK$12,452/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,518
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,692
−HK$178/mo
Today · 4.125%
HK$6,870
baseline
▲ 0.50% · 4.625%
HK$7,232
+HK$362/mo
Deposit HK$856K · loan HK$1.28M · min. income ≈ HK$13,740/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,835
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,048
−HK$216/mo
Today · 4.125%
HK$7,264
baseline
▲ 0.50% · 4.625%
HK$7,706
+HK$442/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$14,528/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$7,604
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,808
−HK$207/mo
Today · 4.125%
HK$8,015
baseline
▲ 0.50% · 4.625%
HK$8,437
+HK$422/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$16,030/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$8,788
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,061
−HK$278/mo
Today · 4.125%
HK$9,339
baseline
▲ 0.50% · 4.625%
HK$9,907
+HK$568/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,678/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$9,776
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,039
−HK$266/mo
Today · 4.125%
HK$10,305
baseline
▲ 0.50% · 4.625%
HK$10,848
+HK$543/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,610/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).