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$4,912
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,065
−HK$155/mo
Today · 4.125%
HK$5,220
baseline
▲ 0.50% · 4.625%
HK$5,538
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,440/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$5,465
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,611
−HK$149/mo
Today · 4.125%
HK$5,760
baseline
▲ 0.50% · 4.625%
HK$6,064
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,520/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$5,895
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,078
−HK$186/mo
Today · 4.125%
HK$6,264
baseline
▲ 0.50% · 4.625%
HK$6,645
+HK$381/mo
Deposit HK$862K · loan HK$1.29M · min. income ≈ HK$12,528/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,558
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,733
−HK$179/mo
Today · 4.125%
HK$6,912
baseline
▲ 0.50% · 4.625%
HK$7,276
+HK$364/mo
Deposit HK$862K · loan HK$1.29M · min. income ≈ HK$13,824/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,877
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,091
−HK$217/mo
Today · 4.125%
HK$7,308
baseline
▲ 0.50% · 4.625%
HK$7,753
+HK$445/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$14,616/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,651
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,856
−HK$208/mo
Today · 4.125%
HK$8,064
baseline
▲ 0.50% · 4.625%
HK$8,489
+HK$425/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$16,128/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,842
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,117
−HK$279/mo
Today · 4.125%
HK$9,396
baseline
▲ 0.50% · 4.625%
HK$9,968
+HK$572/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,792/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$9,836
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,100
−HK$268/mo
Today · 4.125%
HK$10,368
baseline
▲ 0.50% · 4.625%
HK$10,914
+HK$546/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,736/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).