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$4,908
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,060
−HK$155/mo
Today · 4.125%
HK$5,215
baseline
▲ 0.50% · 4.625%
HK$5,533
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,430/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$5,460
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,606
−HK$149/mo
Today · 4.125%
HK$5,755
baseline
▲ 0.50% · 4.625%
HK$6,058
+HK$303/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,510/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$5,889
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,072
−HK$186/mo
Today · 4.125%
HK$6,258
baseline
▲ 0.50% · 4.625%
HK$6,639
+HK$381/mo
Deposit HK$861K · loan HK$1.29M · min. income ≈ HK$12,516/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,551
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,727
−HK$178/mo
Today · 4.125%
HK$6,905
baseline
▲ 0.50% · 4.625%
HK$7,269
+HK$364/mo
Deposit HK$861K · loan HK$1.29M · min. income ≈ HK$13,810/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,871
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,084
−HK$217/mo
Today · 4.125%
HK$7,301
baseline
▲ 0.50% · 4.625%
HK$7,746
+HK$445/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$14,602/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,643
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,848
−HK$208/mo
Today · 4.125%
HK$8,056
baseline
▲ 0.50% · 4.625%
HK$8,481
+HK$425/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$16,112/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,834
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,108
−HK$279/mo
Today · 4.125%
HK$9,387
baseline
▲ 0.50% · 4.625%
HK$9,959
+HK$572/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,774/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$9,827
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,091
−HK$267/mo
Today · 4.125%
HK$10,358
baseline
▲ 0.50% · 4.625%
HK$10,904
+HK$546/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,716/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).