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$4,877
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,028
−HK$154/mo
Today · 4.125%
HK$5,182
baseline
▲ 0.50% · 4.625%
HK$5,498
+HK$316/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$5,571
−HK$147/mo
Today · 4.125%
HK$5,718
baseline
▲ 0.50% · 4.625%
HK$6,020
+HK$302/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$5,852
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,034
−HK$185/mo
Today · 4.125%
HK$6,219
baseline
▲ 0.50% · 4.625%
HK$6,597
+HK$378/mo
Deposit HK$855K · loan HK$1.28M · min. income ≈ HK$12,438/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$6,510
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,685
−HK$177/mo
Today · 4.125%
HK$6,862
baseline
▲ 0.50% · 4.625%
HK$7,224
+HK$362/mo
Deposit HK$855K · loan HK$1.28M · min. income ≈ HK$13,724/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$6,827
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,040
−HK$215/mo
Today · 4.125%
HK$7,255
baseline
▲ 0.50% · 4.625%
HK$7,697
+HK$442/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$411/mo
▼ 0.25% · 3.875%
HK$7,799
−HK$207/mo
Today · 4.125%
HK$8,006
baseline
▲ 0.50% · 4.625%
HK$8,427
+HK$421/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$16,012/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$8,778
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,051
−HK$277/mo
Today · 4.125%
HK$9,328
baseline
▲ 0.50% · 4.625%
HK$9,896
+HK$568/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$528/mo
▼ 0.25% · 3.875%
HK$10,027
−HK$266/mo
Today · 4.125%
HK$10,293
baseline
▲ 0.50% · 4.625%
HK$10,835
+HK$542/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$20,586/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).