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$4,881
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,032
−HK$155/mo
Today · 4.125%
HK$5,187
baseline
▲ 0.50% · 4.625%
HK$5,502
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,374/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$5,430
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,575
−HK$148/mo
Today · 4.125%
HK$5,723
baseline
▲ 0.50% · 4.625%
HK$6,025
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,446/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$5,857
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,039
−HK$185/mo
Today · 4.125%
HK$6,224
baseline
▲ 0.50% · 4.625%
HK$6,603
+HK$379/mo
Deposit HK$856K · loan HK$1.28M · min. income ≈ HK$12,448/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,516
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,690
−HK$178/mo
Today · 4.125%
HK$6,868
baseline
▲ 0.50% · 4.625%
HK$7,230
+HK$362/mo
Deposit HK$856K · loan HK$1.28M · min. income ≈ HK$13,736/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,833
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,045
−HK$216/mo
Today · 4.125%
HK$7,261
baseline
▲ 0.50% · 4.625%
HK$7,703
+HK$442/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$14,522/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,601
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,805
−HK$207/mo
Today · 4.125%
HK$8,012
baseline
▲ 0.50% · 4.625%
HK$8,434
+HK$422/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$16,024/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,785
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,058
−HK$278/mo
Today · 4.125%
HK$9,336
baseline
▲ 0.50% · 4.625%
HK$9,904
+HK$568/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,672/mo (50% DSR)
Upfront cash ≈ HK$214K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,773
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,035
−HK$266/mo
Today · 4.125%
HK$10,301
baseline
▲ 0.50% · 4.625%
HK$10,844
+HK$543/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,602/mo (50% DSR)
Upfront cash ≈ HK$214K (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).