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$4,899
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,051
−HK$155/mo
Today · 4.125%
HK$5,206
baseline
▲ 0.50% · 4.625%
HK$5,522
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,412/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$5,450
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,596
−HK$148/mo
Today · 4.125%
HK$5,744
baseline
▲ 0.50% · 4.625%
HK$6,047
+HK$303/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,488/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$5,878
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,061
−HK$186/mo
Today · 4.125%
HK$6,247
baseline
▲ 0.50% · 4.625%
HK$6,627
+HK$380/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$12,494/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$6,539
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,715
−HK$178/mo
Today · 4.125%
HK$6,893
baseline
▲ 0.50% · 4.625%
HK$7,256
+HK$363/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$13,786/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$6,858
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,071
−HK$217/mo
Today · 4.125%
HK$7,288
baseline
▲ 0.50% · 4.625%
HK$7,731
+HK$443/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$14,576/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,629
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,834
−HK$208/mo
Today · 4.125%
HK$8,042
baseline
▲ 0.50% · 4.625%
HK$8,465
+HK$423/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$16,084/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,817
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,092
−HK$278/mo
Today · 4.125%
HK$9,370
baseline
▲ 0.50% · 4.625%
HK$9,940
+HK$570/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,740/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$9,809
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,072
−HK$267/mo
Today · 4.125%
HK$10,339
baseline
▲ 0.50% · 4.625%
HK$10,884
+HK$545/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,678/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).