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$4,880
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,031
−HK$155/mo
Today · 4.125%
HK$5,186
baseline
▲ 0.50% · 4.625%
HK$5,501
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,372/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$5,428
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,574
−HK$148/mo
Today · 4.125%
HK$5,722
baseline
▲ 0.50% · 4.625%
HK$6,023
+HK$301/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,444/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$5,855
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,038
−HK$185/mo
Today · 4.125%
HK$6,223
baseline
▲ 0.50% · 4.625%
HK$6,601
+HK$378/mo
Deposit HK$856K · loan HK$1.28M · min. income ≈ HK$12,446/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,514
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,689
−HK$177/mo
Today · 4.125%
HK$6,866
baseline
▲ 0.50% · 4.625%
HK$7,228
+HK$362/mo
Deposit HK$856K · loan HK$1.28M · min. income ≈ HK$13,732/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,831
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,044
−HK$216/mo
Today · 4.125%
HK$7,260
baseline
▲ 0.50% · 4.625%
HK$7,701
+HK$441/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$14,520/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,600
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,804
−HK$206/mo
Today · 4.125%
HK$8,010
baseline
▲ 0.50% · 4.625%
HK$8,433
+HK$423/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$16,020/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,783
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,056
−HK$278/mo
Today · 4.125%
HK$9,334
baseline
▲ 0.50% · 4.625%
HK$9,902
+HK$568/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,668/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$9,771
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,033
−HK$266/mo
Today · 4.125%
HK$10,299
baseline
▲ 0.50% · 4.625%
HK$10,842
+HK$543/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,598/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).