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$4,914
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,067
−HK$155/mo
Today · 4.125%
HK$5,222
baseline
▲ 0.50% · 4.625%
HK$5,540
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,444/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$5,467
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,614
−HK$148/mo
Today · 4.125%
HK$5,762
baseline
▲ 0.50% · 4.625%
HK$6,066
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,524/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$5,897
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,081
−HK$186/mo
Today · 4.125%
HK$6,267
baseline
▲ 0.50% · 4.625%
HK$6,648
+HK$381/mo
Deposit HK$862K · loan HK$1.29M · min. income ≈ HK$12,534/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,560
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,736
−HK$179/mo
Today · 4.125%
HK$6,915
baseline
▲ 0.50% · 4.625%
HK$7,279
+HK$364/mo
Deposit HK$862K · loan HK$1.29M · min. income ≈ HK$13,830/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,880
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,094
−HK$217/mo
Today · 4.125%
HK$7,311
baseline
▲ 0.50% · 4.625%
HK$7,756
+HK$445/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$14,622/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,654
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,859
−HK$208/mo
Today · 4.125%
HK$8,067
baseline
▲ 0.50% · 4.625%
HK$8,493
+HK$426/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$16,134/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,846
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,121
−HK$279/mo
Today · 4.125%
HK$9,400
baseline
▲ 0.50% · 4.625%
HK$9,972
+HK$572/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,800/mo (50% DSR)
Upfront cash ≈ HK$216K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,841
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,105
−HK$267/mo
Today · 4.125%
HK$10,372
baseline
▲ 0.50% · 4.625%
HK$10,919
+HK$547/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,744/mo (50% DSR)
Upfront cash ≈ HK$216K (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).