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$4,739
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,886
−HK$150/mo
Today · 4.125%
HK$5,036
baseline
▲ 0.50% · 4.625%
HK$5,342
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,072/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,272
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,413
−HK$143/mo
Today · 4.125%
HK$5,556
baseline
▲ 0.50% · 4.625%
HK$5,849
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,112/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,686
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,863
−HK$180/mo
Today · 4.125%
HK$6,043
baseline
▲ 0.50% · 4.625%
HK$6,411
+HK$368/mo
Deposit HK$831K · loan HK$1.25M · min. income ≈ HK$12,086/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,326
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,496
−HK$172/mo
Today · 4.125%
HK$6,668
baseline
▲ 0.50% · 4.625%
HK$7,019
+HK$351/mo
Deposit HK$831K · loan HK$1.25M · min. income ≈ HK$13,336/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,634
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,840
−HK$210/mo
Today · 4.125%
HK$7,050
baseline
▲ 0.50% · 4.625%
HK$7,479
+HK$429/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$14,100/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,380
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,578
−HK$201/mo
Today · 4.125%
HK$7,779
baseline
▲ 0.50% · 4.625%
HK$8,189
+HK$410/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$15,558/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,529
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,795
−HK$269/mo
Today · 4.125%
HK$9,064
baseline
▲ 0.50% · 4.625%
HK$9,616
+HK$552/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,128/mo (50% DSR)
Upfront cash ≈ HK$208K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,489
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,743
−HK$259/mo
Today · 4.125%
HK$10,002
baseline
▲ 0.50% · 4.625%
HK$10,529
+HK$527/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$20,004/mo (50% DSR)
Upfront cash ≈ HK$208K (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).