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$4,769
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,917
−HK$151/mo
Today · 4.125%
HK$5,068
baseline
▲ 0.50% · 4.625%
HK$5,377
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,136/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,306
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,448
−HK$144/mo
Today · 4.125%
HK$5,592
baseline
▲ 0.50% · 4.625%
HK$5,887
+HK$295/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,184/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,723
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,901
−HK$181/mo
Today · 4.125%
HK$6,082
baseline
▲ 0.50% · 4.625%
HK$6,452
+HK$370/mo
Deposit HK$837K · loan HK$1.25M · min. income ≈ HK$12,164/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,367
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,538
−HK$173/mo
Today · 4.125%
HK$6,711
baseline
▲ 0.50% · 4.625%
HK$7,064
+HK$353/mo
Deposit HK$837K · loan HK$1.25M · min. income ≈ HK$13,422/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,677
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,884
−HK$212/mo
Today · 4.125%
HK$7,096
baseline
▲ 0.50% · 4.625%
HK$7,527
+HK$431/mo
Deposit HK$627K · loan HK$1.46M · min. income ≈ HK$14,192/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,428
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,627
−HK$202/mo
Today · 4.125%
HK$7,829
baseline
▲ 0.50% · 4.625%
HK$8,242
+HK$413/mo
Deposit HK$627K · loan HK$1.46M · min. income ≈ HK$15,658/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,584
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,851
−HK$272/mo
Today · 4.125%
HK$9,123
baseline
▲ 0.50% · 4.625%
HK$9,678
+HK$555/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,246/mo (50% DSR)
Upfront cash ≈ HK$209K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,550
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,806
−HK$260/mo
Today · 4.125%
HK$10,066
baseline
▲ 0.50% · 4.625%
HK$10,597
+HK$531/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,132/mo (50% DSR)
Upfront cash ≈ HK$209K (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).