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$4,755
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,903
−HK$150/mo
Today · 4.125%
HK$5,053
baseline
▲ 0.50% · 4.625%
HK$5,360
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,106/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$5,290
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,431
−HK$144/mo
Today · 4.125%
HK$5,575
baseline
▲ 0.50% · 4.625%
HK$5,869
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,150/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$5,706
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,883
−HK$180/mo
Today · 4.125%
HK$6,063
baseline
▲ 0.50% · 4.625%
HK$6,432
+HK$369/mo
Deposit HK$834K · loan HK$1.25M · min. income ≈ HK$12,126/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,348
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,518
−HK$172/mo
Today · 4.125%
HK$6,690
baseline
▲ 0.50% · 4.625%
HK$7,043
+HK$353/mo
Deposit HK$834K · loan HK$1.25M · min. income ≈ HK$13,380/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,657
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,864
−HK$210/mo
Today · 4.125%
HK$7,074
baseline
▲ 0.50% · 4.625%
HK$7,504
+HK$430/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$14,148/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,405
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,604
−HK$202/mo
Today · 4.125%
HK$7,806
baseline
▲ 0.50% · 4.625%
HK$8,217
+HK$411/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$15,612/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,559
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,825
−HK$270/mo
Today · 4.125%
HK$9,095
baseline
▲ 0.50% · 4.625%
HK$9,649
+HK$554/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,190/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$9,521
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,777
−HK$259/mo
Today · 4.125%
HK$10,036
baseline
▲ 0.50% · 4.625%
HK$10,565
+HK$529/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,072/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).