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$4,918
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,071
−HK$155/mo
Today · 4.125%
HK$5,226
baseline
▲ 0.50% · 4.625%
HK$5,544
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,452/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$5,471
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,618
−HK$148/mo
Today · 4.125%
HK$5,766
baseline
▲ 0.50% · 4.625%
HK$6,070
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,532/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$5,901
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,085
−HK$186/mo
Today · 4.125%
HK$6,271
baseline
▲ 0.50% · 4.625%
HK$6,653
+HK$382/mo
Deposit HK$863K · loan HK$1.29M · min. income ≈ HK$12,542/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,565
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,741
−HK$179/mo
Today · 4.125%
HK$6,920
baseline
▲ 0.50% · 4.625%
HK$7,284
+HK$364/mo
Deposit HK$863K · loan HK$1.29M · min. income ≈ HK$13,840/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,885
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,099
−HK$217/mo
Today · 4.125%
HK$7,316
baseline
▲ 0.50% · 4.625%
HK$7,762
+HK$446/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$14,632/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,659
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,865
−HK$208/mo
Today · 4.125%
HK$8,073
baseline
▲ 0.50% · 4.625%
HK$8,499
+HK$426/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$16,146/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,852
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,127
−HK$280/mo
Today · 4.125%
HK$9,407
baseline
▲ 0.50% · 4.625%
HK$9,979
+HK$572/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,814/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$9,848
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,112
−HK$268/mo
Today · 4.125%
HK$10,380
baseline
▲ 0.50% · 4.625%
HK$10,927
+HK$547/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,760/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).