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$4,908
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,061
−HK$155/mo
Today · 4.125%
HK$5,216
baseline
▲ 0.50% · 4.625%
HK$5,534
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,432/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$5,460
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,607
−HK$148/mo
Today · 4.125%
HK$5,755
baseline
▲ 0.50% · 4.625%
HK$6,059
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,510/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$5,890
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,073
−HK$186/mo
Today · 4.125%
HK$6,259
baseline
▲ 0.50% · 4.625%
HK$6,640
+HK$381/mo
Deposit HK$861K · loan HK$1.29M · min. income ≈ HK$12,518/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,553
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,728
−HK$179/mo
Today · 4.125%
HK$6,907
baseline
▲ 0.50% · 4.625%
HK$7,271
+HK$364/mo
Deposit HK$861K · loan HK$1.29M · min. income ≈ HK$13,814/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,872
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,085
−HK$218/mo
Today · 4.125%
HK$7,303
baseline
▲ 0.50% · 4.625%
HK$7,747
+HK$444/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$14,606/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,645
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,850
−HK$208/mo
Today · 4.125%
HK$8,058
baseline
▲ 0.50% · 4.625%
HK$8,482
+HK$424/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$16,116/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,835
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,110
−HK$279/mo
Today · 4.125%
HK$9,389
baseline
▲ 0.50% · 4.625%
HK$9,960
+HK$571/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,778/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$9,829
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,092
−HK$268/mo
Today · 4.125%
HK$10,360
baseline
▲ 0.50% · 4.625%
HK$10,906
+HK$546/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,720/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).