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$4,910
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,063
−HK$155/mo
Today · 4.125%
HK$5,218
baseline
▲ 0.50% · 4.625%
HK$5,536
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,436/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$5,463
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,609
−HK$149/mo
Today · 4.125%
HK$5,758
baseline
▲ 0.50% · 4.625%
HK$6,061
+HK$303/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,516/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$5,892
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,076
−HK$186/mo
Today · 4.125%
HK$6,262
baseline
▲ 0.50% · 4.625%
HK$6,643
+HK$381/mo
Deposit HK$861K · loan HK$1.29M · min. income ≈ HK$12,524/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$6,555
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,731
−HK$178/mo
Today · 4.125%
HK$6,909
baseline
▲ 0.50% · 4.625%
HK$7,273
+HK$364/mo
Deposit HK$861K · loan HK$1.29M · min. income ≈ HK$13,818/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$6,874
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,088
−HK$217/mo
Today · 4.125%
HK$7,305
baseline
▲ 0.50% · 4.625%
HK$7,750
+HK$445/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$14,610/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$7,648
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,853
−HK$208/mo
Today · 4.125%
HK$8,061
baseline
▲ 0.50% · 4.625%
HK$8,486
+HK$425/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$16,122/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$8,838
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,113
−HK$280/mo
Today · 4.125%
HK$9,393
baseline
▲ 0.50% · 4.625%
HK$9,964
+HK$571/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,786/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$9,833
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,096
−HK$268/mo
Today · 4.125%
HK$10,364
baseline
▲ 0.50% · 4.625%
HK$10,910
+HK$546/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,728/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).