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$4,876
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,028
−HK$154/mo
Today · 4.125%
HK$5,182
baseline
▲ 0.50% · 4.625%
HK$5,497
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,364/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$5,425
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,570
−HK$148/mo
Today · 4.125%
HK$5,718
baseline
▲ 0.50% · 4.625%
HK$6,019
+HK$301/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,436/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$5,851
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,033
−HK$185/mo
Today · 4.125%
HK$6,218
baseline
▲ 0.50% · 4.625%
HK$6,597
+HK$379/mo
Deposit HK$855K · loan HK$1.28M · min. income ≈ HK$12,436/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,510
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,684
−HK$177/mo
Today · 4.125%
HK$6,861
baseline
▲ 0.50% · 4.625%
HK$7,223
+HK$362/mo
Deposit HK$855K · loan HK$1.28M · min. income ≈ HK$13,722/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,827
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,039
−HK$216/mo
Today · 4.125%
HK$7,255
baseline
▲ 0.50% · 4.625%
HK$7,696
+HK$441/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$14,510/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$7,595
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,798
−HK$207/mo
Today · 4.125%
HK$8,005
baseline
▲ 0.50% · 4.625%
HK$8,427
+HK$422/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$16,010/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$8,777
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,050
−HK$278/mo
Today · 4.125%
HK$9,328
baseline
▲ 0.50% · 4.625%
HK$9,895
+HK$567/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$18,656/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$9,765
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,026
−HK$266/mo
Today · 4.125%
HK$10,292
baseline
▲ 0.50% · 4.625%
HK$10,835
+HK$543/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$20,584/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).