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$4,892
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,044
−HK$155/mo
Today · 4.125%
HK$5,199
baseline
▲ 0.50% · 4.625%
HK$5,515
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,398/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$5,442
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,588
−HK$148/mo
Today · 4.125%
HK$5,736
baseline
▲ 0.50% · 4.625%
HK$6,039
+HK$303/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,472/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$5,870
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,053
−HK$186/mo
Today · 4.125%
HK$6,239
baseline
▲ 0.50% · 4.625%
HK$6,618
+HK$379/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$12,478/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,531
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,706
−HK$178/mo
Today · 4.125%
HK$6,884
baseline
▲ 0.50% · 4.625%
HK$7,246
+HK$362/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$13,768/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,849
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,062
−HK$216/mo
Today · 4.125%
HK$7,278
baseline
▲ 0.50% · 4.625%
HK$7,721
+HK$443/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$14,556/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$7,619
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,824
−HK$207/mo
Today · 4.125%
HK$8,031
baseline
▲ 0.50% · 4.625%
HK$8,454
+HK$423/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$16,062/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$8,806
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,080
−HK$278/mo
Today · 4.125%
HK$9,358
baseline
▲ 0.50% · 4.625%
HK$9,927
+HK$569/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,716/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$9,796
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,059
−HK$266/mo
Today · 4.125%
HK$10,325
baseline
▲ 0.50% · 4.625%
HK$10,870
+HK$545/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,650/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).