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$4,884
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,036
−HK$155/mo
Today · 4.125%
HK$5,191
baseline
▲ 0.50% · 4.625%
HK$5,507
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,382/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$5,434
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,580
−HK$147/mo
Today · 4.125%
HK$5,727
baseline
▲ 0.50% · 4.625%
HK$6,029
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,454/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$5,861
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,044
−HK$185/mo
Today · 4.125%
HK$6,229
baseline
▲ 0.50% · 4.625%
HK$6,608
+HK$379/mo
Deposit HK$857K · loan HK$1.29M · min. income ≈ HK$12,458/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,521
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,696
−HK$177/mo
Today · 4.125%
HK$6,873
baseline
▲ 0.50% · 4.625%
HK$7,235
+HK$362/mo
Deposit HK$857K · loan HK$1.29M · min. income ≈ HK$13,746/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,838
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,051
−HK$216/mo
Today · 4.125%
HK$7,267
baseline
▲ 0.50% · 4.625%
HK$7,709
+HK$442/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$14,534/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,607
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,812
−HK$206/mo
Today · 4.125%
HK$8,018
baseline
▲ 0.50% · 4.625%
HK$8,441
+HK$423/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$16,036/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,792
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,066
−HK$277/mo
Today · 4.125%
HK$9,343
baseline
▲ 0.50% · 4.625%
HK$9,912
+HK$569/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,686/mo (50% DSR)
Upfront cash ≈ HK$214K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,781
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,043
−HK$266/mo
Today · 4.125%
HK$10,309
baseline
▲ 0.50% · 4.625%
HK$10,853
+HK$544/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,618/mo (50% DSR)
Upfront cash ≈ HK$214K (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).