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$4,925
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,078
−HK$156/mo
Today · 4.125%
HK$5,234
baseline
▲ 0.50% · 4.625%
HK$5,552
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,468/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$5,479
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,626
−HK$149/mo
Today · 4.125%
HK$5,775
baseline
▲ 0.50% · 4.625%
HK$6,079
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,550/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$5,910
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,094
−HK$187/mo
Today · 4.125%
HK$6,281
baseline
▲ 0.50% · 4.625%
HK$6,663
+HK$382/mo
Deposit HK$864K · loan HK$1.30M · min. income ≈ HK$12,562/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,575
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,751
−HK$179/mo
Today · 4.125%
HK$6,930
baseline
▲ 0.50% · 4.625%
HK$7,295
+HK$365/mo
Deposit HK$864K · loan HK$1.30M · min. income ≈ HK$13,860/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,895
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,109
−HK$218/mo
Today · 4.125%
HK$7,327
baseline
▲ 0.50% · 4.625%
HK$7,773
+HK$446/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$14,654/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,671
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,876
−HK$209/mo
Today · 4.125%
HK$8,085
baseline
▲ 0.50% · 4.625%
HK$8,511
+HK$426/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$16,170/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,865
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,141
−HK$280/mo
Today · 4.125%
HK$9,421
baseline
▲ 0.50% · 4.625%
HK$9,994
+HK$573/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,842/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$9,862
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,127
−HK$268/mo
Today · 4.125%
HK$10,395
baseline
▲ 0.50% · 4.625%
HK$10,943
+HK$548/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,790/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).