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$4,885
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,037
−HK$155/mo
Today · 4.125%
HK$5,192
baseline
▲ 0.50% · 4.625%
HK$5,507
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,384/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$5,435
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,580
−HK$148/mo
Today · 4.125%
HK$5,728
baseline
▲ 0.50% · 4.625%
HK$6,030
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,456/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$5,862
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,045
−HK$185/mo
Today · 4.125%
HK$6,230
baseline
▲ 0.50% · 4.625%
HK$6,609
+HK$379/mo
Deposit HK$857K · loan HK$1.29M · min. income ≈ HK$12,460/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,522
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,697
−HK$177/mo
Today · 4.125%
HK$6,874
baseline
▲ 0.50% · 4.625%
HK$7,236
+HK$362/mo
Deposit HK$857K · loan HK$1.29M · min. income ≈ HK$13,748/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,839
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,052
−HK$216/mo
Today · 4.125%
HK$7,268
baseline
▲ 0.50% · 4.625%
HK$7,710
+HK$442/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$14,536/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,609
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,813
−HK$207/mo
Today · 4.125%
HK$8,020
baseline
▲ 0.50% · 4.625%
HK$8,442
+HK$422/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$16,040/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,793
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,067
−HK$278/mo
Today · 4.125%
HK$9,345
baseline
▲ 0.50% · 4.625%
HK$9,913
+HK$568/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,690/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$9,783
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,045
−HK$266/mo
Today · 4.125%
HK$10,311
baseline
▲ 0.50% · 4.625%
HK$10,855
+HK$544/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,622/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).