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$4,800
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,950
−HK$151/mo
Today · 4.125%
HK$5,101
baseline
▲ 0.50% · 4.625%
HK$5,412
+HK$311/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,202/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$5,340
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,483
−HK$146/mo
Today · 4.125%
HK$5,629
baseline
▲ 0.50% · 4.625%
HK$5,925
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,258/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$5,760
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,940
−HK$182/mo
Today · 4.125%
HK$6,122
baseline
▲ 0.50% · 4.625%
HK$6,494
+HK$372/mo
Deposit HK$842K · loan HK$1.26M · min. income ≈ HK$12,244/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,408
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,580
−HK$175/mo
Today · 4.125%
HK$6,755
baseline
▲ 0.50% · 4.625%
HK$7,111
+HK$356/mo
Deposit HK$842K · loan HK$1.26M · min. income ≈ HK$13,510/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,720
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,929
−HK$213/mo
Today · 4.125%
HK$7,142
baseline
▲ 0.50% · 4.625%
HK$7,576
+HK$434/mo
Deposit HK$632K · loan HK$1.47M · min. income ≈ HK$14,284/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,476
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,677
−HK$203/mo
Today · 4.125%
HK$7,880
baseline
▲ 0.50% · 4.625%
HK$8,296
+HK$416/mo
Deposit HK$632K · loan HK$1.47M · min. income ≈ HK$15,760/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,641
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,909
−HK$273/mo
Today · 4.125%
HK$9,182
baseline
▲ 0.50% · 4.625%
HK$9,741
+HK$559/mo
Deposit HK$211K · loan HK$1.89M · min. income ≈ HK$18,364/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,612
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,870
−HK$262/mo
Today · 4.125%
HK$10,132
baseline
▲ 0.50% · 4.625%
HK$10,666
+HK$534/mo
Deposit HK$211K · loan HK$1.89M · min. income ≈ HK$20,264/mo (50% DSR)
Upfront cash ≈ HK$211K (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).