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$4,940
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,094
−HK$156/mo
Today · 4.125%
HK$5,250
baseline
▲ 0.50% · 4.625%
HK$5,569
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,500/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$5,496
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,643
−HK$150/mo
Today · 4.125%
HK$5,793
baseline
▲ 0.50% · 4.625%
HK$6,098
+HK$305/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,586/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$5,928
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,112
−HK$188/mo
Today · 4.125%
HK$6,300
baseline
▲ 0.50% · 4.625%
HK$6,683
+HK$383/mo
Deposit HK$867K · loan HK$1.30M · min. income ≈ HK$12,600/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,595
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,772
−HK$179/mo
Today · 4.125%
HK$6,951
baseline
▲ 0.50% · 4.625%
HK$7,318
+HK$367/mo
Deposit HK$867K · loan HK$1.30M · min. income ≈ HK$13,902/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,916
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,131
−HK$219/mo
Today · 4.125%
HK$7,350
baseline
▲ 0.50% · 4.625%
HK$7,797
+HK$447/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$14,700/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$7,694
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,900
−HK$210/mo
Today · 4.125%
HK$8,110
baseline
▲ 0.50% · 4.625%
HK$8,537
+HK$427/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$16,220/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$8,892
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,169
−HK$281/mo
Today · 4.125%
HK$9,450
baseline
▲ 0.50% · 4.625%
HK$10,025
+HK$575/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,900/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$9,892
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,158
−HK$269/mo
Today · 4.125%
HK$10,427
baseline
▲ 0.50% · 4.625%
HK$10,976
+HK$549/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,854/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).