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$4,890
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,042
−HK$154/mo
Today · 4.125%
HK$5,196
baseline
▲ 0.50% · 4.625%
HK$5,513
+HK$317/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,392/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$5,440
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,586
−HK$148/mo
Today · 4.125%
HK$5,734
baseline
▲ 0.50% · 4.625%
HK$6,036
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,468/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$5,868
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,050
−HK$186/mo
Today · 4.125%
HK$6,236
baseline
▲ 0.50% · 4.625%
HK$6,615
+HK$379/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$12,472/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$6,528
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,703
−HK$177/mo
Today · 4.125%
HK$6,880
baseline
▲ 0.50% · 4.625%
HK$7,243
+HK$363/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$13,760/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$6,846
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,059
−HK$216/mo
Today · 4.125%
HK$7,275
baseline
▲ 0.50% · 4.625%
HK$7,718
+HK$443/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$14,550/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,616
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,820
−HK$207/mo
Today · 4.125%
HK$8,027
baseline
▲ 0.50% · 4.625%
HK$8,450
+HK$423/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$16,054/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,802
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,075
−HK$279/mo
Today · 4.125%
HK$9,354
baseline
▲ 0.50% · 4.625%
HK$9,923
+HK$569/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,708/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$9,792
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,054
−HK$267/mo
Today · 4.125%
HK$10,321
baseline
▲ 0.50% · 4.625%
HK$10,865
+HK$544/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,642/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).