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$4,860
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,011
−HK$154/mo
Today · 4.125%
HK$5,165
baseline
▲ 0.50% · 4.625%
HK$5,479
+HK$314/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,330/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$5,407
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,552
−HK$147/mo
Today · 4.125%
HK$5,699
baseline
▲ 0.50% · 4.625%
HK$5,999
+HK$300/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,398/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$5,832
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,013
−HK$185/mo
Today · 4.125%
HK$6,198
baseline
▲ 0.50% · 4.625%
HK$6,575
+HK$377/mo
Deposit HK$853K · loan HK$1.28M · min. income ≈ HK$12,396/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,488
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,662
−HK$176/mo
Today · 4.125%
HK$6,838
baseline
▲ 0.50% · 4.625%
HK$7,199
+HK$361/mo
Deposit HK$853K · loan HK$1.28M · min. income ≈ HK$13,676/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,804
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,015
−HK$215/mo
Today · 4.125%
HK$7,230
baseline
▲ 0.50% · 4.625%
HK$7,670
+HK$440/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$14,460/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,569
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,772
−HK$206/mo
Today · 4.125%
HK$7,978
baseline
▲ 0.50% · 4.625%
HK$8,399
+HK$421/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$15,956/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,748
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,020
−HK$276/mo
Today · 4.125%
HK$9,296
baseline
▲ 0.50% · 4.625%
HK$9,862
+HK$566/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,592/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,732
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,993
−HK$265/mo
Today · 4.125%
HK$10,258
baseline
▲ 0.50% · 4.625%
HK$10,798
+HK$540/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,516/mo (50% DSR)
Upfront cash ≈ HK$213K (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).