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$4,947
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,101
−HK$156/mo
Today · 4.125%
HK$5,257
baseline
▲ 0.50% · 4.625%
HK$5,577
+HK$320/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,514/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$5,503
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,651
−HK$150/mo
Today · 4.125%
HK$5,801
baseline
▲ 0.50% · 4.625%
HK$6,106
+HK$305/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,602/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$5,936
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,121
−HK$187/mo
Today · 4.125%
HK$6,308
baseline
▲ 0.50% · 4.625%
HK$6,692
+HK$384/mo
Deposit HK$868K · loan HK$1.30M · min. income ≈ HK$12,616/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,604
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,781
−HK$180/mo
Today · 4.125%
HK$6,961
baseline
▲ 0.50% · 4.625%
HK$7,328
+HK$367/mo
Deposit HK$868K · loan HK$1.30M · min. income ≈ HK$13,922/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,925
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,141
−HK$219/mo
Today · 4.125%
HK$7,360
baseline
▲ 0.50% · 4.625%
HK$7,808
+HK$448/mo
Deposit HK$651K · loan HK$1.52M · min. income ≈ HK$14,720/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,704
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,911
−HK$210/mo
Today · 4.125%
HK$8,121
baseline
▲ 0.50% · 4.625%
HK$8,549
+HK$428/mo
Deposit HK$651K · loan HK$1.52M · min. income ≈ HK$16,242/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,904
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,181
−HK$281/mo
Today · 4.125%
HK$9,462
baseline
▲ 0.50% · 4.625%
HK$10,038
+HK$576/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,924/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,906
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,171
−HK$270/mo
Today · 4.125%
HK$10,441
baseline
▲ 0.50% · 4.625%
HK$10,991
+HK$550/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,882/mo (50% DSR)
Upfront cash ≈ HK$217K (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).