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$4,935
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,089
−HK$156/mo
Today · 4.125%
HK$5,245
baseline
▲ 0.50% · 4.625%
HK$5,564
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,490/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$5,491
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,638
−HK$149/mo
Today · 4.125%
HK$5,787
baseline
▲ 0.50% · 4.625%
HK$6,092
+HK$305/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,574/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$5,923
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,107
−HK$187/mo
Today · 4.125%
HK$6,294
baseline
▲ 0.50% · 4.625%
HK$6,677
+HK$383/mo
Deposit HK$866K · loan HK$1.30M · min. income ≈ HK$12,588/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,589
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,765
−HK$180/mo
Today · 4.125%
HK$6,945
baseline
▲ 0.50% · 4.625%
HK$7,311
+HK$366/mo
Deposit HK$866K · loan HK$1.30M · min. income ≈ HK$13,890/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,910
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,125
−HK$218/mo
Today · 4.125%
HK$7,343
baseline
▲ 0.50% · 4.625%
HK$7,790
+HK$447/mo
Deposit HK$649K · loan HK$1.52M · min. income ≈ HK$14,686/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,687
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,893
−HK$209/mo
Today · 4.125%
HK$8,102
baseline
▲ 0.50% · 4.625%
HK$8,529
+HK$427/mo
Deposit HK$649K · loan HK$1.52M · min. income ≈ HK$16,204/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,884
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,160
−HK$281/mo
Today · 4.125%
HK$9,441
baseline
▲ 0.50% · 4.625%
HK$10,015
+HK$574/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$18,882/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$9,883
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,148
−HK$269/mo
Today · 4.125%
HK$10,417
baseline
▲ 0.50% · 4.625%
HK$10,966
+HK$549/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$20,834/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).