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$4,864
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,016
−HK$153/mo
Today · 4.125%
HK$5,169
baseline
▲ 0.50% · 4.625%
HK$5,484
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,338/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$5,412
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,557
−HK$147/mo
Today · 4.125%
HK$5,704
baseline
▲ 0.50% · 4.625%
HK$6,005
+HK$301/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,408/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$5,837
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,019
−HK$184/mo
Today · 4.125%
HK$6,203
baseline
▲ 0.50% · 4.625%
HK$6,581
+HK$378/mo
Deposit HK$853K · loan HK$1.28M · min. income ≈ HK$12,406/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,494
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,668
−HK$177/mo
Today · 4.125%
HK$6,845
baseline
▲ 0.50% · 4.625%
HK$7,206
+HK$361/mo
Deposit HK$853K · loan HK$1.28M · min. income ≈ HK$13,690/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,810
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,022
−HK$215/mo
Today · 4.125%
HK$7,237
baseline
▲ 0.50% · 4.625%
HK$7,678
+HK$441/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$14,474/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,576
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,779
−HK$207/mo
Today · 4.125%
HK$7,986
baseline
▲ 0.50% · 4.625%
HK$8,407
+HK$421/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$15,972/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,756
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,028
−HK$277/mo
Today · 4.125%
HK$9,305
baseline
▲ 0.50% · 4.625%
HK$9,871
+HK$566/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,610/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,741
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,002
−HK$265/mo
Today · 4.125%
HK$10,267
baseline
▲ 0.50% · 4.625%
HK$10,808
+HK$541/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,534/mo (50% DSR)
Upfront cash ≈ HK$213K (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).