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$4,904
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,057
−HK$155/mo
Today · 4.125%
HK$5,212
baseline
▲ 0.50% · 4.625%
HK$5,529
+HK$317/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,424/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$5,456
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,602
−HK$148/mo
Today · 4.125%
HK$5,750
baseline
▲ 0.50% · 4.625%
HK$6,054
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,500/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$5,885
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,068
−HK$186/mo
Today · 4.125%
HK$6,254
baseline
▲ 0.50% · 4.625%
HK$6,634
+HK$380/mo
Deposit HK$860K · loan HK$1.29M · min. income ≈ HK$12,508/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$6,547
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,722
−HK$179/mo
Today · 4.125%
HK$6,901
baseline
▲ 0.50% · 4.625%
HK$7,264
+HK$363/mo
Deposit HK$860K · loan HK$1.29M · min. income ≈ HK$13,802/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$6,866
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,079
−HK$217/mo
Today · 4.125%
HK$7,296
baseline
▲ 0.50% · 4.625%
HK$7,740
+HK$444/mo
Deposit HK$645K · loan HK$1.51M · min. income ≈ HK$14,592/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$7,638
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,843
−HK$208/mo
Today · 4.125%
HK$8,051
baseline
▲ 0.50% · 4.625%
HK$8,475
+HK$424/mo
Deposit HK$645K · loan HK$1.51M · min. income ≈ HK$16,102/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$8,827
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,102
−HK$279/mo
Today · 4.125%
HK$9,381
baseline
▲ 0.50% · 4.625%
HK$9,952
+HK$571/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,762/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$9,820
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,084
−HK$267/mo
Today · 4.125%
HK$10,351
baseline
▲ 0.50% · 4.625%
HK$10,896
+HK$545/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,702/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).