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$4,887
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,039
−HK$155/mo
Today · 4.125%
HK$5,194
baseline
▲ 0.50% · 4.625%
HK$5,510
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,388/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$5,437
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,583
−HK$148/mo
Today · 4.125%
HK$5,731
baseline
▲ 0.50% · 4.625%
HK$6,033
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,462/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$5,865
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,047
−HK$185/mo
Today · 4.125%
HK$6,232
baseline
▲ 0.50% · 4.625%
HK$6,612
+HK$380/mo
Deposit HK$857K · loan HK$1.29M · min. income ≈ HK$12,464/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,524
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,699
−HK$178/mo
Today · 4.125%
HK$6,877
baseline
▲ 0.50% · 4.625%
HK$7,239
+HK$362/mo
Deposit HK$857K · loan HK$1.29M · min. income ≈ HK$13,754/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,842
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,055
−HK$216/mo
Today · 4.125%
HK$7,271
baseline
▲ 0.50% · 4.625%
HK$7,714
+HK$443/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$14,542/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$7,612
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,816
−HK$207/mo
Today · 4.125%
HK$8,023
baseline
▲ 0.50% · 4.625%
HK$8,446
+HK$423/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$16,046/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$8,797
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,071
−HK$278/mo
Today · 4.125%
HK$9,349
baseline
▲ 0.50% · 4.625%
HK$9,917
+HK$568/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,698/mo (50% DSR)
Upfront cash ≈ HK$214K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,786
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,049
−HK$266/mo
Today · 4.125%
HK$10,315
baseline
▲ 0.50% · 4.625%
HK$10,859
+HK$544/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,630/mo (50% DSR)
Upfront cash ≈ HK$214K (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).