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$4,863
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,015
−HK$153/mo
Today · 4.125%
HK$5,168
baseline
▲ 0.50% · 4.625%
HK$5,483
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,336/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$5,410
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,555
−HK$148/mo
Today · 4.125%
HK$5,703
baseline
▲ 0.50% · 4.625%
HK$6,003
+HK$300/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,406/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$5,836
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,017
−HK$185/mo
Today · 4.125%
HK$6,202
baseline
▲ 0.50% · 4.625%
HK$6,579
+HK$377/mo
Deposit HK$853K · loan HK$1.28M · min. income ≈ HK$12,404/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,492
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,667
−HK$176/mo
Today · 4.125%
HK$6,843
baseline
▲ 0.50% · 4.625%
HK$7,204
+HK$361/mo
Deposit HK$853K · loan HK$1.28M · min. income ≈ HK$13,686/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,809
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,020
−HK$216/mo
Today · 4.125%
HK$7,236
baseline
▲ 0.50% · 4.625%
HK$7,676
+HK$440/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$14,472/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,574
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,778
−HK$206/mo
Today · 4.125%
HK$7,984
baseline
▲ 0.50% · 4.625%
HK$8,405
+HK$421/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$15,968/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,754
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,026
−HK$277/mo
Today · 4.125%
HK$9,303
baseline
▲ 0.50% · 4.625%
HK$9,869
+HK$566/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,606/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,739
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,000
−HK$265/mo
Today · 4.125%
HK$10,265
baseline
▲ 0.50% · 4.625%
HK$10,806
+HK$541/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,530/mo (50% DSR)
Upfront cash ≈ HK$213K (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).