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$4,895
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,047
−HK$155/mo
Today · 4.125%
HK$5,202
baseline
▲ 0.50% · 4.625%
HK$5,518
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,404/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$5,445
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,591
−HK$148/mo
Today · 4.125%
HK$5,739
baseline
▲ 0.50% · 4.625%
HK$6,042
+HK$303/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,478/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$5,874
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,056
−HK$186/mo
Today · 4.125%
HK$6,242
baseline
▲ 0.50% · 4.625%
HK$6,622
+HK$380/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$12,484/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,534
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,709
−HK$178/mo
Today · 4.125%
HK$6,887
baseline
▲ 0.50% · 4.625%
HK$7,250
+HK$363/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$13,774/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,852
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,066
−HK$216/mo
Today · 4.125%
HK$7,282
baseline
▲ 0.50% · 4.625%
HK$7,725
+HK$443/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$14,564/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,623
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,828
−HK$207/mo
Today · 4.125%
HK$8,035
baseline
▲ 0.50% · 4.625%
HK$8,459
+HK$424/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$16,070/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,810
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,084
−HK$279/mo
Today · 4.125%
HK$9,363
baseline
▲ 0.50% · 4.625%
HK$9,932
+HK$569/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,726/mo (50% DSR)
Upfront cash ≈ HK$215K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,801
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,064
−HK$267/mo
Today · 4.125%
HK$10,331
baseline
▲ 0.50% · 4.625%
HK$10,875
+HK$544/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,662/mo (50% DSR)
Upfront cash ≈ HK$215K (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).