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$4,891
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,043
−HK$155/mo
Today · 4.125%
HK$5,198
baseline
▲ 0.50% · 4.625%
HK$5,514
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,396/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,441
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,587
−HK$148/mo
Today · 4.125%
HK$5,735
baseline
▲ 0.50% · 4.625%
HK$6,038
+HK$303/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,470/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,869
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,052
−HK$185/mo
Today · 4.125%
HK$6,237
baseline
▲ 0.50% · 4.625%
HK$6,617
+HK$380/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$12,474/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,530
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,705
−HK$177/mo
Today · 4.125%
HK$6,882
baseline
▲ 0.50% · 4.625%
HK$7,245
+HK$363/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$13,764/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,847
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,060
−HK$217/mo
Today · 4.125%
HK$7,277
baseline
▲ 0.50% · 4.625%
HK$7,720
+HK$443/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$14,554/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,618
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,822
−HK$207/mo
Today · 4.125%
HK$8,029
baseline
▲ 0.50% · 4.625%
HK$8,453
+HK$424/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$16,058/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,804
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,078
−HK$278/mo
Today · 4.125%
HK$9,356
baseline
▲ 0.50% · 4.625%
HK$9,925
+HK$569/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,712/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$9,794
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,057
−HK$266/mo
Today · 4.125%
HK$10,323
baseline
▲ 0.50% · 4.625%
HK$10,868
+HK$545/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,646/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).