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$4,898
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,051
−HK$154/mo
Today · 4.125%
HK$5,205
baseline
▲ 0.50% · 4.625%
HK$5,522
+HK$317/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,410/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$5,449
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,595
−HK$149/mo
Today · 4.125%
HK$5,744
baseline
▲ 0.50% · 4.625%
HK$6,046
+HK$302/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$368/mo
▼ 0.25% · 3.875%
HK$6,061
−HK$185/mo
Today · 4.125%
HK$6,246
baseline
▲ 0.50% · 4.625%
HK$6,627
+HK$381/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$12,492/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$353/mo
▼ 0.25% · 3.875%
HK$6,714
−HK$178/mo
Today · 4.125%
HK$6,892
baseline
▲ 0.50% · 4.625%
HK$7,256
+HK$364/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$13,784/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$412/mo
▼ 0.25% · 3.875%
HK$7,834
−HK$207/mo
Today · 4.125%
HK$8,041
baseline
▲ 0.50% · 4.625%
HK$8,465
+HK$424/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$16,082/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$9,091
−HK$279/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$10,883
+HK$544/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).