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$4,936
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,090
−HK$156/mo
Today · 4.125%
HK$5,246
baseline
▲ 0.50% · 4.625%
HK$5,565
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,492/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$5,491
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,639
−HK$149/mo
Today · 4.125%
HK$5,788
baseline
▲ 0.50% · 4.625%
HK$6,093
+HK$305/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,576/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$5,923
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,108
−HK$187/mo
Today · 4.125%
HK$6,295
baseline
▲ 0.50% · 4.625%
HK$6,678
+HK$383/mo
Deposit HK$866K · loan HK$1.30M · min. income ≈ HK$12,590/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,590
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,766
−HK$180/mo
Today · 4.125%
HK$6,946
baseline
▲ 0.50% · 4.625%
HK$7,312
+HK$366/mo
Deposit HK$866K · loan HK$1.30M · min. income ≈ HK$13,892/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,911
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,125
−HK$219/mo
Today · 4.125%
HK$7,344
baseline
▲ 0.50% · 4.625%
HK$7,791
+HK$447/mo
Deposit HK$649K · loan HK$1.52M · min. income ≈ HK$14,688/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,688
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,894
−HK$209/mo
Today · 4.125%
HK$8,103
baseline
▲ 0.50% · 4.625%
HK$8,530
+HK$427/mo
Deposit HK$649K · loan HK$1.52M · min. income ≈ HK$16,206/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,885
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,161
−HK$281/mo
Today · 4.125%
HK$9,442
baseline
▲ 0.50% · 4.625%
HK$10,017
+HK$575/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$18,884/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$9,884
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,150
−HK$268/mo
Today · 4.125%
HK$10,418
baseline
▲ 0.50% · 4.625%
HK$10,968
+HK$550/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$20,836/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).