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$4,810
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,960
−HK$152/mo
Today · 4.125%
HK$5,112
baseline
▲ 0.50% · 4.625%
HK$5,423
+HK$311/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,224/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$5,351
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,494
−HK$146/mo
Today · 4.125%
HK$5,640
baseline
▲ 0.50% · 4.625%
HK$5,937
+HK$297/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,280/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$5,772
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,951
−HK$183/mo
Today · 4.125%
HK$6,134
baseline
▲ 0.50% · 4.625%
HK$6,507
+HK$373/mo
Deposit HK$844K · loan HK$1.27M · min. income ≈ HK$12,268/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,421
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,593
−HK$175/mo
Today · 4.125%
HK$6,768
baseline
▲ 0.50% · 4.625%
HK$7,125
+HK$357/mo
Deposit HK$844K · loan HK$1.27M · min. income ≈ HK$13,536/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,734
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,943
−HK$213/mo
Today · 4.125%
HK$7,156
baseline
▲ 0.50% · 4.625%
HK$7,592
+HK$436/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$14,312/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,491
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,692
−HK$204/mo
Today · 4.125%
HK$7,896
baseline
▲ 0.50% · 4.625%
HK$8,312
+HK$416/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$15,792/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,658
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,927
−HK$274/mo
Today · 4.125%
HK$9,201
baseline
▲ 0.50% · 4.625%
HK$9,761
+HK$560/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,402/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$9,632
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,890
−HK$262/mo
Today · 4.125%
HK$10,152
baseline
▲ 0.50% · 4.625%
HK$10,687
+HK$535/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,304/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).