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$4,944
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,098
−HK$156/mo
Today · 4.125%
HK$5,254
baseline
▲ 0.50% · 4.625%
HK$5,573
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,508/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$5,500
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,647
−HK$150/mo
Today · 4.125%
HK$5,797
baseline
▲ 0.50% · 4.625%
HK$6,103
+HK$306/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,594/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$5,933
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,117
−HK$188/mo
Today · 4.125%
HK$6,305
baseline
▲ 0.50% · 4.625%
HK$6,688
+HK$383/mo
Deposit HK$867K · loan HK$1.30M · min. income ≈ HK$12,610/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,600
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,777
−HK$179/mo
Today · 4.125%
HK$6,956
baseline
▲ 0.50% · 4.625%
HK$7,323
+HK$367/mo
Deposit HK$867K · loan HK$1.30M · min. income ≈ HK$13,912/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,921
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,137
−HK$218/mo
Today · 4.125%
HK$7,355
baseline
▲ 0.50% · 4.625%
HK$7,803
+HK$448/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$14,710/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,700
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,906
−HK$210/mo
Today · 4.125%
HK$8,116
baseline
▲ 0.50% · 4.625%
HK$8,544
+HK$428/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$16,232/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,899
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,176
−HK$281/mo
Today · 4.125%
HK$9,457
baseline
▲ 0.50% · 4.625%
HK$10,032
+HK$575/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,914/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,900
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,165
−HK$270/mo
Today · 4.125%
HK$10,435
baseline
▲ 0.50% · 4.625%
HK$10,985
+HK$550/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,870/mo (50% DSR)
Upfront cash ≈ HK$217K (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).