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$4,893
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,045
−HK$154/mo
Today · 4.125%
HK$5,199
baseline
▲ 0.50% · 4.625%
HK$5,516
+HK$317/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,398/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$5,443
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,589
−HK$148/mo
Today · 4.125%
HK$5,737
baseline
▲ 0.50% · 4.625%
HK$6,039
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,474/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$5,871
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,054
−HK$185/mo
Today · 4.125%
HK$6,239
baseline
▲ 0.50% · 4.625%
HK$6,619
+HK$380/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$12,478/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$6,532
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,707
−HK$177/mo
Today · 4.125%
HK$6,884
baseline
▲ 0.50% · 4.625%
HK$7,247
+HK$363/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$13,768/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$6,850
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,063
−HK$216/mo
Today · 4.125%
HK$7,279
baseline
▲ 0.50% · 4.625%
HK$7,722
+HK$443/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$14,558/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$7,620
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,825
−HK$207/mo
Today · 4.125%
HK$8,032
baseline
▲ 0.50% · 4.625%
HK$8,455
+HK$423/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$16,064/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$8,807
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,081
−HK$278/mo
Today · 4.125%
HK$9,359
baseline
▲ 0.50% · 4.625%
HK$9,928
+HK$569/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,718/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$9,797
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,060
−HK$267/mo
Today · 4.125%
HK$10,327
baseline
▲ 0.50% · 4.625%
HK$10,871
+HK$544/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,654/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).