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$4,862
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,013
−HK$154/mo
Today · 4.125%
HK$5,167
baseline
▲ 0.50% · 4.625%
HK$5,481
+HK$314/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,334/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$5,409
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,554
−HK$147/mo
Today · 4.125%
HK$5,701
baseline
▲ 0.50% · 4.625%
HK$6,002
+HK$301/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,402/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$5,835
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,016
−HK$184/mo
Today · 4.125%
HK$6,200
baseline
▲ 0.50% · 4.625%
HK$6,578
+HK$378/mo
Deposit HK$853K · loan HK$1.28M · min. income ≈ HK$12,400/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,491
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,665
−HK$177/mo
Today · 4.125%
HK$6,842
baseline
▲ 0.50% · 4.625%
HK$7,202
+HK$360/mo
Deposit HK$853K · loan HK$1.28M · min. income ≈ HK$13,684/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,807
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,019
−HK$215/mo
Today · 4.125%
HK$7,234
baseline
▲ 0.50% · 4.625%
HK$7,674
+HK$440/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$14,468/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,573
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,776
−HK$206/mo
Today · 4.125%
HK$7,982
baseline
▲ 0.50% · 4.625%
HK$8,403
+HK$421/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$15,964/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,752
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,024
−HK$277/mo
Today · 4.125%
HK$9,301
baseline
▲ 0.50% · 4.625%
HK$9,867
+HK$566/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,602/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,736
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,997
−HK$265/mo
Today · 4.125%
HK$10,262
baseline
▲ 0.50% · 4.625%
HK$10,803
+HK$541/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,524/mo (50% DSR)
Upfront cash ≈ HK$213K (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).