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$4,897
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,050
−HK$155/mo
Today · 4.125%
HK$5,205
baseline
▲ 0.50% · 4.625%
HK$5,521
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,410/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$5,448
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,594
−HK$149/mo
Today · 4.125%
HK$5,743
baseline
▲ 0.50% · 4.625%
HK$6,045
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,486/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$5,877
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,060
−HK$185/mo
Today · 4.125%
HK$6,245
baseline
▲ 0.50% · 4.625%
HK$6,625
+HK$380/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$12,490/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,538
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,713
−HK$178/mo
Today · 4.125%
HK$6,891
baseline
▲ 0.50% · 4.625%
HK$7,254
+HK$363/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$13,782/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,856
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,070
−HK$216/mo
Today · 4.125%
HK$7,286
baseline
▲ 0.50% · 4.625%
HK$7,730
+HK$444/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$14,572/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,628
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,832
−HK$208/mo
Today · 4.125%
HK$8,040
baseline
▲ 0.50% · 4.625%
HK$8,464
+HK$424/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$16,080/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,815
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,090
−HK$278/mo
Today · 4.125%
HK$9,368
baseline
▲ 0.50% · 4.625%
HK$9,938
+HK$570/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,736/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$9,807
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,070
−HK$267/mo
Today · 4.125%
HK$10,337
baseline
▲ 0.50% · 4.625%
HK$10,882
+HK$545/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,674/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).