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$4,905
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,057
−HK$155/mo
Today · 4.125%
HK$5,212
baseline
▲ 0.50% · 4.625%
HK$5,529
+HK$317/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,424/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$5,456
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,603
−HK$148/mo
Today · 4.125%
HK$5,751
baseline
▲ 0.50% · 4.625%
HK$6,054
+HK$303/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,502/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$5,885
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,069
−HK$186/mo
Today · 4.125%
HK$6,255
baseline
▲ 0.50% · 4.625%
HK$6,635
+HK$380/mo
Deposit HK$860K · loan HK$1.29M · min. income ≈ HK$12,510/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,548
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,723
−HK$178/mo
Today · 4.125%
HK$6,901
baseline
▲ 0.50% · 4.625%
HK$7,265
+HK$364/mo
Deposit HK$860K · loan HK$1.29M · min. income ≈ HK$13,802/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,866
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,080
−HK$217/mo
Today · 4.125%
HK$7,297
baseline
▲ 0.50% · 4.625%
HK$7,741
+HK$444/mo
Deposit HK$645K · loan HK$1.51M · min. income ≈ HK$14,594/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,639
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,844
−HK$208/mo
Today · 4.125%
HK$8,052
baseline
▲ 0.50% · 4.625%
HK$8,476
+HK$424/mo
Deposit HK$645K · loan HK$1.51M · min. income ≈ HK$16,104/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,828
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,103
−HK$279/mo
Today · 4.125%
HK$9,382
baseline
▲ 0.50% · 4.625%
HK$9,953
+HK$571/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,764/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$9,821
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,085
−HK$267/mo
Today · 4.125%
HK$10,352
baseline
▲ 0.50% · 4.625%
HK$10,898
+HK$546/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,704/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).