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$4,906
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,059
−HK$155/mo
Today · 4.125%
HK$5,214
baseline
▲ 0.50% · 4.625%
HK$5,531
+HK$317/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,428/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$5,458
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,605
−HK$148/mo
Today · 4.125%
HK$5,753
baseline
▲ 0.50% · 4.625%
HK$6,056
+HK$303/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,506/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$5,888
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,071
−HK$186/mo
Today · 4.125%
HK$6,257
baseline
▲ 0.50% · 4.625%
HK$6,637
+HK$380/mo
Deposit HK$861K · loan HK$1.29M · min. income ≈ HK$12,514/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,550
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,726
−HK$178/mo
Today · 4.125%
HK$6,904
baseline
▲ 0.50% · 4.625%
HK$7,268
+HK$364/mo
Deposit HK$861K · loan HK$1.29M · min. income ≈ HK$13,808/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,869
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,083
−HK$217/mo
Today · 4.125%
HK$7,300
baseline
▲ 0.50% · 4.625%
HK$7,744
+HK$444/mo
Deposit HK$645K · loan HK$1.51M · min. income ≈ HK$14,600/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,642
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,846
−HK$208/mo
Today · 4.125%
HK$8,054
baseline
▲ 0.50% · 4.625%
HK$8,479
+HK$425/mo
Deposit HK$645K · loan HK$1.51M · min. income ≈ HK$16,108/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,831
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,106
−HK$279/mo
Today · 4.125%
HK$9,385
baseline
▲ 0.50% · 4.625%
HK$9,956
+HK$571/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,770/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$9,825
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,088
−HK$268/mo
Today · 4.125%
HK$10,356
baseline
▲ 0.50% · 4.625%
HK$10,901
+HK$545/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,712/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).