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$4,902
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,054
−HK$155/mo
Today · 4.125%
HK$5,209
baseline
▲ 0.50% · 4.625%
HK$5,526
+HK$317/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,418/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$5,453
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,599
−HK$149/mo
Today · 4.125%
HK$5,748
baseline
▲ 0.50% · 4.625%
HK$6,051
+HK$303/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,496/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$5,882
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,065
−HK$186/mo
Today · 4.125%
HK$6,251
baseline
▲ 0.50% · 4.625%
HK$6,631
+HK$380/mo
Deposit HK$860K · loan HK$1.29M · min. income ≈ HK$12,502/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,544
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,719
−HK$178/mo
Today · 4.125%
HK$6,897
baseline
▲ 0.50% · 4.625%
HK$7,261
+HK$364/mo
Deposit HK$860K · loan HK$1.29M · min. income ≈ HK$13,794/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,862
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,076
−HK$217/mo
Today · 4.125%
HK$7,293
baseline
▲ 0.50% · 4.625%
HK$7,736
+HK$443/mo
Deposit HK$645K · loan HK$1.50M · min. income ≈ HK$14,586/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,634
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,839
−HK$208/mo
Today · 4.125%
HK$8,047
baseline
▲ 0.50% · 4.625%
HK$8,471
+HK$424/mo
Deposit HK$645K · loan HK$1.50M · min. income ≈ HK$16,094/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,823
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,097
−HK$279/mo
Today · 4.125%
HK$9,376
baseline
▲ 0.50% · 4.625%
HK$9,947
+HK$571/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,752/mo (50% DSR)
Upfront cash ≈ HK$215K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,815
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,079
−HK$267/mo
Today · 4.125%
HK$10,346
baseline
▲ 0.50% · 4.625%
HK$10,891
+HK$545/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,692/mo (50% DSR)
Upfront cash ≈ HK$215K (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).