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$4,890
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,043
−HK$154/mo
Today · 4.125%
HK$5,197
baseline
▲ 0.50% · 4.625%
HK$5,513
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,394/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$5,441
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,586
−HK$149/mo
Today · 4.125%
HK$5,735
baseline
▲ 0.50% · 4.625%
HK$6,037
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,470/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$5,869
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,051
−HK$186/mo
Today · 4.125%
HK$6,237
baseline
▲ 0.50% · 4.625%
HK$6,616
+HK$379/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$12,474/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,529
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,704
−HK$177/mo
Today · 4.125%
HK$6,881
baseline
▲ 0.50% · 4.625%
HK$7,244
+HK$363/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$13,762/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,847
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,060
−HK$216/mo
Today · 4.125%
HK$7,276
baseline
▲ 0.50% · 4.625%
HK$7,719
+HK$443/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$14,552/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,617
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,821
−HK$207/mo
Today · 4.125%
HK$8,028
baseline
▲ 0.50% · 4.625%
HK$8,451
+HK$423/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$16,056/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,803
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,077
−HK$278/mo
Today · 4.125%
HK$9,355
baseline
▲ 0.50% · 4.625%
HK$9,924
+HK$569/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,710/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$9,793
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,056
−HK$266/mo
Today · 4.125%
HK$10,322
baseline
▲ 0.50% · 4.625%
HK$10,866
+HK$544/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,644/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).