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$4,899
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,052
−HK$154/mo
Today · 4.125%
HK$5,206
baseline
▲ 0.50% · 4.625%
HK$5,523
+HK$317/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,412/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$5,450
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,597
−HK$148/mo
Today · 4.125%
HK$5,745
baseline
▲ 0.50% · 4.625%
HK$6,048
+HK$303/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,490/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$5,879
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,062
−HK$186/mo
Today · 4.125%
HK$6,248
baseline
▲ 0.50% · 4.625%
HK$6,628
+HK$380/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$12,496/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,540
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,716
−HK$178/mo
Today · 4.125%
HK$6,894
baseline
▲ 0.50% · 4.625%
HK$7,257
+HK$363/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$13,788/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,859
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,072
−HK$217/mo
Today · 4.125%
HK$7,289
baseline
▲ 0.50% · 4.625%
HK$7,733
+HK$444/mo
Deposit HK$645K · loan HK$1.50M · min. income ≈ HK$14,578/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,630
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,835
−HK$208/mo
Today · 4.125%
HK$8,043
baseline
▲ 0.50% · 4.625%
HK$8,467
+HK$424/mo
Deposit HK$645K · loan HK$1.50M · min. income ≈ HK$16,086/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,819
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,093
−HK$279/mo
Today · 4.125%
HK$9,372
baseline
▲ 0.50% · 4.625%
HK$9,942
+HK$570/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,744/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$9,811
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,074
−HK$267/mo
Today · 4.125%
HK$10,341
baseline
▲ 0.50% · 4.625%
HK$10,886
+HK$545/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,682/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).