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$4,906
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,058
−HK$155/mo
Today · 4.125%
HK$5,213
baseline
▲ 0.50% · 4.625%
HK$5,530
+HK$317/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,426/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$5,457
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,604
−HK$148/mo
Today · 4.125%
HK$5,752
baseline
▲ 0.50% · 4.625%
HK$6,055
+HK$303/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,504/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$5,887
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,070
−HK$186/mo
Today · 4.125%
HK$6,256
baseline
▲ 0.50% · 4.625%
HK$6,637
+HK$381/mo
Deposit HK$861K · loan HK$1.29M · min. income ≈ HK$12,512/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,549
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,725
−HK$178/mo
Today · 4.125%
HK$6,903
baseline
▲ 0.50% · 4.625%
HK$7,267
+HK$364/mo
Deposit HK$861K · loan HK$1.29M · min. income ≈ HK$13,806/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,868
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,081
−HK$218/mo
Today · 4.125%
HK$7,299
baseline
▲ 0.50% · 4.625%
HK$7,743
+HK$444/mo
Deposit HK$645K · loan HK$1.51M · min. income ≈ HK$14,598/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$7,640
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,845
−HK$208/mo
Today · 4.125%
HK$8,053
baseline
▲ 0.50% · 4.625%
HK$8,478
+HK$425/mo
Deposit HK$645K · loan HK$1.51M · min. income ≈ HK$16,106/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$8,830
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,105
−HK$279/mo
Today · 4.125%
HK$9,384
baseline
▲ 0.50% · 4.625%
HK$9,955
+HK$571/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,768/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$9,823
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,087
−HK$267/mo
Today · 4.125%
HK$10,354
baseline
▲ 0.50% · 4.625%
HK$10,900
+HK$546/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,708/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).