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$4,897
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,050
−HK$154/mo
Today · 4.125%
HK$5,204
baseline
▲ 0.50% · 4.625%
HK$5,521
+HK$317/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,408/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$5,448
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,594
−HK$148/mo
Today · 4.125%
HK$5,742
baseline
▲ 0.50% · 4.625%
HK$6,045
+HK$303/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,484/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$5,877
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,060
−HK$185/mo
Today · 4.125%
HK$6,245
baseline
▲ 0.50% · 4.625%
HK$6,625
+HK$380/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$12,490/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$6,538
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,713
−HK$178/mo
Today · 4.125%
HK$6,891
baseline
▲ 0.50% · 4.625%
HK$7,254
+HK$363/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$13,782/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$6,856
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,069
−HK$217/mo
Today · 4.125%
HK$7,286
baseline
▲ 0.50% · 4.625%
HK$7,729
+HK$443/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$14,572/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$7,627
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,832
−HK$207/mo
Today · 4.125%
HK$8,039
baseline
▲ 0.50% · 4.625%
HK$8,463
+HK$424/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$16,078/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$8,815
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,089
−HK$279/mo
Today · 4.125%
HK$9,368
baseline
▲ 0.50% · 4.625%
HK$9,938
+HK$570/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,736/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$9,807
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,070
−HK$266/mo
Today · 4.125%
HK$10,336
baseline
▲ 0.50% · 4.625%
HK$10,881
+HK$545/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,672/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).