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$4,918
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,071
−HK$156/mo
Today · 4.125%
HK$5,227
baseline
▲ 0.50% · 4.625%
HK$5,545
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,454/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$5,472
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,618
−HK$149/mo
Today · 4.125%
HK$5,767
baseline
▲ 0.50% · 4.625%
HK$6,071
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,534/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$5,902
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,086
−HK$186/mo
Today · 4.125%
HK$6,272
baseline
▲ 0.50% · 4.625%
HK$6,654
+HK$382/mo
Deposit HK$863K · loan HK$1.29M · min. income ≈ HK$12,544/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,566
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,742
−HK$179/mo
Today · 4.125%
HK$6,921
baseline
▲ 0.50% · 4.625%
HK$7,285
+HK$364/mo
Deposit HK$863K · loan HK$1.29M · min. income ≈ HK$13,842/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,886
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,100
−HK$217/mo
Today · 4.125%
HK$7,317
baseline
▲ 0.50% · 4.625%
HK$7,763
+HK$446/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$14,634/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$7,660
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,866
−HK$208/mo
Today · 4.125%
HK$8,074
baseline
▲ 0.50% · 4.625%
HK$8,500
+HK$426/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$16,148/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$8,853
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,128
−HK$280/mo
Today · 4.125%
HK$9,408
baseline
▲ 0.50% · 4.625%
HK$9,980
+HK$572/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,816/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$9,849
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,113
−HK$268/mo
Today · 4.125%
HK$10,381
baseline
▲ 0.50% · 4.625%
HK$10,928
+HK$547/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,762/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).