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$306/mo
▼ 0.25% · 3.875%
HK$5,044
−HK$154/mo
Today · 4.125%
HK$5,198
baseline
▲ 0.50% · 4.625%
HK$5,515
+HK$317/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,396/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$6,038
+HK$302/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$368/mo
▼ 0.25% · 3.875%
HK$6,052
−HK$186/mo
Today · 4.125%
HK$6,238
baseline
▲ 0.50% · 4.625%
HK$6,618
+HK$380/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$12,476/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$6,530
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,705
−HK$178/mo
Today · 4.125%
HK$6,883
baseline
▲ 0.50% · 4.625%
HK$7,246
+HK$363/mo
Deposit HK$858K · loan HK$1.29M · min. income ≈ HK$13,766/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$6,848
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,061
−HK$217/mo
Today · 4.125%
HK$7,278
baseline
▲ 0.50% · 4.625%
HK$7,720
+HK$442/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$411/mo
▼ 0.25% · 3.875%
HK$7,823
−HK$207/mo
Today · 4.125%
HK$8,030
baseline
▲ 0.50% · 4.625%
HK$8,453
+HK$423/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$16,060/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$8,805
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,079
−HK$278/mo
Today · 4.125%
HK$9,357
baseline
▲ 0.50% · 4.625%
HK$9,926
+HK$569/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,714/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$9,795
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,058
−HK$266/mo
Today · 4.125%
HK$10,324
baseline
▲ 0.50% · 4.625%
HK$10,869
+HK$545/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,648/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).