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$4,943
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,097
−HK$156/mo
Today · 4.125%
HK$5,253
baseline
▲ 0.50% · 4.625%
HK$5,573
+HK$320/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,506/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$5,499
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,647
−HK$149/mo
Today · 4.125%
HK$5,796
baseline
▲ 0.50% · 4.625%
HK$6,102
+HK$306/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,592/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$5,932
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,116
−HK$188/mo
Today · 4.125%
HK$6,304
baseline
▲ 0.50% · 4.625%
HK$6,687
+HK$383/mo
Deposit HK$867K · loan HK$1.30M · min. income ≈ HK$12,608/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,599
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,776
−HK$180/mo
Today · 4.125%
HK$6,956
baseline
▲ 0.50% · 4.625%
HK$7,322
+HK$366/mo
Deposit HK$867K · loan HK$1.30M · min. income ≈ HK$13,912/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,921
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,136
−HK$219/mo
Today · 4.125%
HK$7,355
baseline
▲ 0.50% · 4.625%
HK$7,802
+HK$447/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$14,710/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,699
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,906
−HK$209/mo
Today · 4.125%
HK$8,115
baseline
▲ 0.50% · 4.625%
HK$8,543
+HK$428/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$16,230/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,898
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,175
−HK$281/mo
Today · 4.125%
HK$9,456
baseline
▲ 0.50% · 4.625%
HK$10,031
+HK$575/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,912/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,899
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,164
−HK$270/mo
Today · 4.125%
HK$10,434
baseline
▲ 0.50% · 4.625%
HK$10,984
+HK$550/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,868/mo (50% DSR)
Upfront cash ≈ HK$217K (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).