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$4,916
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,069
−HK$155/mo
Today · 4.125%
HK$5,224
baseline
▲ 0.50% · 4.625%
HK$5,542
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,448/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$5,469
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,616
−HK$148/mo
Today · 4.125%
HK$5,764
baseline
▲ 0.50% · 4.625%
HK$6,068
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,528/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$5,899
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,083
−HK$186/mo
Today · 4.125%
HK$6,269
baseline
▲ 0.50% · 4.625%
HK$6,650
+HK$381/mo
Deposit HK$862K · loan HK$1.29M · min. income ≈ HK$12,538/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$6,563
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,739
−HK$178/mo
Today · 4.125%
HK$6,917
baseline
▲ 0.50% · 4.625%
HK$7,282
+HK$365/mo
Deposit HK$862K · loan HK$1.29M · min. income ≈ HK$13,834/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$6,882
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,096
−HK$218/mo
Today · 4.125%
HK$7,314
baseline
▲ 0.50% · 4.625%
HK$7,759
+HK$445/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$14,628/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$7,656
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,862
−HK$208/mo
Today · 4.125%
HK$8,070
baseline
▲ 0.50% · 4.625%
HK$8,495
+HK$425/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$16,140/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$8,849
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,124
−HK$279/mo
Today · 4.125%
HK$9,403
baseline
▲ 0.50% · 4.625%
HK$9,976
+HK$573/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,806/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$9,844
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,108
−HK$268/mo
Today · 4.125%
HK$10,376
baseline
▲ 0.50% · 4.625%
HK$10,923
+HK$547/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,752/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).