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$4,926
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,080
−HK$155/mo
Today · 4.125%
HK$5,235
baseline
▲ 0.50% · 4.625%
HK$5,554
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,470/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$5,481
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,628
−HK$149/mo
Today · 4.125%
HK$5,777
baseline
▲ 0.50% · 4.625%
HK$6,081
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,554/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$5,912
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,096
−HK$186/mo
Today · 4.125%
HK$6,282
baseline
▲ 0.50% · 4.625%
HK$6,665
+HK$383/mo
Deposit HK$864K · loan HK$1.30M · min. income ≈ HK$12,564/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,577
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,753
−HK$179/mo
Today · 4.125%
HK$6,932
baseline
▲ 0.50% · 4.625%
HK$7,297
+HK$365/mo
Deposit HK$864K · loan HK$1.30M · min. income ≈ HK$13,864/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,897
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,111
−HK$218/mo
Today · 4.125%
HK$7,329
baseline
▲ 0.50% · 4.625%
HK$7,775
+HK$446/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$14,658/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,673
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,879
−HK$208/mo
Today · 4.125%
HK$8,087
baseline
▲ 0.50% · 4.625%
HK$8,514
+HK$427/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$16,174/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,867
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,143
−HK$281/mo
Today · 4.125%
HK$9,424
baseline
▲ 0.50% · 4.625%
HK$9,997
+HK$573/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,848/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$9,865
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,130
−HK$268/mo
Today · 4.125%
HK$10,398
baseline
▲ 0.50% · 4.625%
HK$10,946
+HK$548/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,796/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).