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$4,924
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,077
−HK$156/mo
Today · 4.125%
HK$5,233
baseline
▲ 0.50% · 4.625%
HK$5,551
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,466/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$5,478
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,625
−HK$149/mo
Today · 4.125%
HK$5,774
baseline
▲ 0.50% · 4.625%
HK$6,079
+HK$305/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,548/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$5,909
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,093
−HK$187/mo
Today · 4.125%
HK$6,280
baseline
▲ 0.50% · 4.625%
HK$6,662
+HK$382/mo
Deposit HK$864K · loan HK$1.30M · min. income ≈ HK$12,560/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,574
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,750
−HK$179/mo
Today · 4.125%
HK$6,929
baseline
▲ 0.50% · 4.625%
HK$7,294
+HK$365/mo
Deposit HK$864K · loan HK$1.30M · min. income ≈ HK$13,858/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,894
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,108
−HK$218/mo
Today · 4.125%
HK$7,326
baseline
▲ 0.50% · 4.625%
HK$7,772
+HK$446/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$14,652/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,669
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,875
−HK$209/mo
Today · 4.125%
HK$8,084
baseline
▲ 0.50% · 4.625%
HK$8,510
+HK$426/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$16,168/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,864
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,139
−HK$280/mo
Today · 4.125%
HK$9,419
baseline
▲ 0.50% · 4.625%
HK$9,993
+HK$574/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,838/mo (50% DSR)
Upfront cash ≈ HK$216K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,861
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,125
−HK$268/mo
Today · 4.125%
HK$10,393
baseline
▲ 0.50% · 4.625%
HK$10,941
+HK$548/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,786/mo (50% DSR)
Upfront cash ≈ HK$216K (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).