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$4,926
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,079
−HK$156/mo
Today · 4.125%
HK$5,235
baseline
▲ 0.50% · 4.625%
HK$5,554
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,470/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$5,480
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,627
−HK$149/mo
Today · 4.125%
HK$5,776
baseline
▲ 0.50% · 4.625%
HK$6,081
+HK$305/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,552/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$5,911
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,095
−HK$187/mo
Today · 4.125%
HK$6,282
baseline
▲ 0.50% · 4.625%
HK$6,664
+HK$382/mo
Deposit HK$864K · loan HK$1.30M · min. income ≈ HK$12,564/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,576
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,753
−HK$179/mo
Today · 4.125%
HK$6,932
baseline
▲ 0.50% · 4.625%
HK$7,297
+HK$365/mo
Deposit HK$864K · loan HK$1.30M · min. income ≈ HK$13,864/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,897
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,111
−HK$218/mo
Today · 4.125%
HK$7,329
baseline
▲ 0.50% · 4.625%
HK$7,775
+HK$446/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$14,658/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,673
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,878
−HK$209/mo
Today · 4.125%
HK$8,087
baseline
▲ 0.50% · 4.625%
HK$8,513
+HK$426/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$16,174/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,867
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,143
−HK$280/mo
Today · 4.125%
HK$9,423
baseline
▲ 0.50% · 4.625%
HK$9,997
+HK$574/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,846/mo (50% DSR)
Upfront cash ≈ HK$216K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,865
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,129
−HK$269/mo
Today · 4.125%
HK$10,398
baseline
▲ 0.50% · 4.625%
HK$10,946
+HK$548/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,796/mo (50% DSR)
Upfront cash ≈ HK$216K (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).