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$4,931
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,085
−HK$156/mo
Today · 4.125%
HK$5,241
baseline
▲ 0.50% · 4.625%
HK$5,560
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,482/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$5,486
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,633
−HK$150/mo
Today · 4.125%
HK$5,783
baseline
▲ 0.50% · 4.625%
HK$6,087
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,566/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$5,918
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,102
−HK$187/mo
Today · 4.125%
HK$6,289
baseline
▲ 0.50% · 4.625%
HK$6,672
+HK$383/mo
Deposit HK$865K · loan HK$1.30M · min. income ≈ HK$12,578/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,583
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,760
−HK$179/mo
Today · 4.125%
HK$6,939
baseline
▲ 0.50% · 4.625%
HK$7,305
+HK$366/mo
Deposit HK$865K · loan HK$1.30M · min. income ≈ HK$13,878/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,904
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,119
−HK$218/mo
Today · 4.125%
HK$7,337
baseline
▲ 0.50% · 4.625%
HK$7,783
+HK$446/mo
Deposit HK$649K · loan HK$1.51M · min. income ≈ HK$14,674/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,681
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,887
−HK$209/mo
Today · 4.125%
HK$8,096
baseline
▲ 0.50% · 4.625%
HK$8,522
+HK$426/mo
Deposit HK$649K · loan HK$1.51M · min. income ≈ HK$16,192/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,877
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,153
−HK$280/mo
Today · 4.125%
HK$9,433
baseline
▲ 0.50% · 4.625%
HK$10,007
+HK$574/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$18,866/mo (50% DSR)
Upfront cash ≈ HK$216K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,875
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,140
−HK$269/mo
Today · 4.125%
HK$10,409
baseline
▲ 0.50% · 4.625%
HK$10,957
+HK$548/mo
Deposit HK$216K · loan HK$1.95M · min. income ≈ HK$20,818/mo (50% DSR)
Upfront cash ≈ HK$216K (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).