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$4,946
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,100
−HK$156/mo
Today · 4.125%
HK$5,256
baseline
▲ 0.50% · 4.625%
HK$5,576
+HK$320/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,512/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$5,502
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,650
−HK$149/mo
Today · 4.125%
HK$5,799
baseline
▲ 0.50% · 4.625%
HK$6,105
+HK$306/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,598/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$5,935
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,119
−HK$188/mo
Today · 4.125%
HK$6,307
baseline
▲ 0.50% · 4.625%
HK$6,691
+HK$384/mo
Deposit HK$868K · loan HK$1.30M · min. income ≈ HK$12,614/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,602
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,780
−HK$179/mo
Today · 4.125%
HK$6,959
baseline
▲ 0.50% · 4.625%
HK$7,326
+HK$367/mo
Deposit HK$868K · loan HK$1.30M · min. income ≈ HK$13,918/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,924
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,139
−HK$219/mo
Today · 4.125%
HK$7,358
baseline
▲ 0.50% · 4.625%
HK$7,806
+HK$448/mo
Deposit HK$651K · loan HK$1.52M · min. income ≈ HK$14,716/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,703
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,909
−HK$210/mo
Today · 4.125%
HK$8,119
baseline
▲ 0.50% · 4.625%
HK$8,547
+HK$428/mo
Deposit HK$651K · loan HK$1.52M · min. income ≈ HK$16,238/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,902
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,179
−HK$282/mo
Today · 4.125%
HK$9,461
baseline
▲ 0.50% · 4.625%
HK$10,036
+HK$575/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,922/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,904
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,169
−HK$270/mo
Today · 4.125%
HK$10,439
baseline
▲ 0.50% · 4.625%
HK$10,989
+HK$550/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,878/mo (50% DSR)
Upfront cash ≈ HK$217K (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).