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$4,914
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,067
−HK$155/mo
Today · 4.125%
HK$5,222
baseline
▲ 0.50% · 4.625%
HK$5,540
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,444/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$5,466
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,613
−HK$149/mo
Today · 4.125%
HK$5,762
baseline
▲ 0.50% · 4.625%
HK$6,065
+HK$303/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,524/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$5,896
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,080
−HK$186/mo
Today · 4.125%
HK$6,266
baseline
▲ 0.50% · 4.625%
HK$6,647
+HK$381/mo
Deposit HK$862K · loan HK$1.29M · min. income ≈ HK$12,532/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,560
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,736
−HK$178/mo
Today · 4.125%
HK$6,914
baseline
▲ 0.50% · 4.625%
HK$7,279
+HK$365/mo
Deposit HK$862K · loan HK$1.29M · min. income ≈ HK$13,828/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,879
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,093
−HK$218/mo
Today · 4.125%
HK$7,311
baseline
▲ 0.50% · 4.625%
HK$7,755
+HK$444/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$14,622/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,653
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,858
−HK$208/mo
Today · 4.125%
HK$8,066
baseline
▲ 0.50% · 4.625%
HK$8,492
+HK$426/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$16,132/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,845
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,120
−HK$279/mo
Today · 4.125%
HK$9,399
baseline
▲ 0.50% · 4.625%
HK$9,971
+HK$572/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,798/mo (50% DSR)
Upfront cash ≈ HK$216K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,840
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,103
−HK$268/mo
Today · 4.125%
HK$10,371
baseline
▲ 0.50% · 4.625%
HK$10,918
+HK$547/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,742/mo (50% DSR)
Upfront cash ≈ HK$216K (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).