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$4,781
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,929
−HK$151/mo
Today · 4.125%
HK$5,080
baseline
▲ 0.50% · 4.625%
HK$5,390
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,160/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$5,318
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,461
−HK$145/mo
Today · 4.125%
HK$5,606
baseline
▲ 0.50% · 4.625%
HK$5,901
+HK$295/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,212/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$5,737
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,915
−HK$182/mo
Today · 4.125%
HK$6,097
baseline
▲ 0.50% · 4.625%
HK$6,468
+HK$371/mo
Deposit HK$839K · loan HK$1.26M · min. income ≈ HK$12,194/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,382
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,553
−HK$174/mo
Today · 4.125%
HK$6,727
baseline
▲ 0.50% · 4.625%
HK$7,082
+HK$355/mo
Deposit HK$839K · loan HK$1.26M · min. income ≈ HK$13,454/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,693
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,901
−HK$212/mo
Today · 4.125%
HK$7,113
baseline
▲ 0.50% · 4.625%
HK$7,545
+HK$432/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$14,226/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,446
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,646
−HK$202/mo
Today · 4.125%
HK$7,848
baseline
▲ 0.50% · 4.625%
HK$8,262
+HK$414/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$15,696/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,605
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,873
−HK$272/mo
Today · 4.125%
HK$9,145
baseline
▲ 0.50% · 4.625%
HK$9,701
+HK$556/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,290/mo (50% DSR)
Upfront cash ≈ HK$210K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,573
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,830
−HK$260/mo
Today · 4.125%
HK$10,090
baseline
▲ 0.50% · 4.625%
HK$10,622
+HK$532/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,180/mo (50% DSR)
Upfront cash ≈ HK$210K (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).