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$4,903
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,056
−HK$154/mo
Today · 4.125%
HK$5,210
baseline
▲ 0.50% · 4.625%
HK$5,527
+HK$317/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,420/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,455
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,601
−HK$148/mo
Today · 4.125%
HK$5,749
baseline
▲ 0.50% · 4.625%
HK$6,052
+HK$303/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,498/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,884
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,067
−HK$186/mo
Today · 4.125%
HK$6,253
baseline
▲ 0.50% · 4.625%
HK$6,633
+HK$380/mo
Deposit HK$860K · loan HK$1.29M · min. income ≈ HK$12,506/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,545
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,721
−HK$178/mo
Today · 4.125%
HK$6,899
baseline
▲ 0.50% · 4.625%
HK$7,263
+HK$364/mo
Deposit HK$860K · loan HK$1.29M · min. income ≈ HK$13,798/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,864
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,078
−HK$217/mo
Today · 4.125%
HK$7,295
baseline
▲ 0.50% · 4.625%
HK$7,738
+HK$443/mo
Deposit HK$645K · loan HK$1.51M · min. income ≈ HK$14,590/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,636
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,841
−HK$208/mo
Today · 4.125%
HK$8,049
baseline
▲ 0.50% · 4.625%
HK$8,473
+HK$424/mo
Deposit HK$645K · loan HK$1.51M · min. income ≈ HK$16,098/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,825
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,100
−HK$279/mo
Today · 4.125%
HK$9,379
baseline
▲ 0.50% · 4.625%
HK$9,949
+HK$570/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,758/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$9,818
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,081
−HK$268/mo
Today · 4.125%
HK$10,349
baseline
▲ 0.50% · 4.625%
HK$10,894
+HK$545/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,698/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).