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$4,942
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,096
−HK$156/mo
Today · 4.125%
HK$5,252
baseline
▲ 0.50% · 4.625%
HK$5,572
+HK$320/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,504/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$5,498
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,646
−HK$149/mo
Today · 4.125%
HK$5,795
baseline
▲ 0.50% · 4.625%
HK$6,101
+HK$306/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,590/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$5,931
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,115
−HK$188/mo
Today · 4.125%
HK$6,303
baseline
▲ 0.50% · 4.625%
HK$6,686
+HK$383/mo
Deposit HK$867K · loan HK$1.30M · min. income ≈ HK$12,606/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,598
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,775
−HK$179/mo
Today · 4.125%
HK$6,954
baseline
▲ 0.50% · 4.625%
HK$7,321
+HK$367/mo
Deposit HK$867K · loan HK$1.30M · min. income ≈ HK$13,908/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,919
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,134
−HK$219/mo
Today · 4.125%
HK$7,353
baseline
▲ 0.50% · 4.625%
HK$7,800
+HK$447/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$14,706/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,697
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,904
−HK$209/mo
Today · 4.125%
HK$8,113
baseline
▲ 0.50% · 4.625%
HK$8,541
+HK$428/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$16,226/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,896
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,173
−HK$281/mo
Today · 4.125%
HK$9,454
baseline
▲ 0.50% · 4.625%
HK$10,029
+HK$575/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,908/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,897
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,162
−HK$269/mo
Today · 4.125%
HK$10,431
baseline
▲ 0.50% · 4.625%
HK$10,981
+HK$550/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,862/mo (50% DSR)
Upfront cash ≈ HK$217K (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).