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$4,793
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,942
−HK$152/mo
Today · 4.125%
HK$5,094
baseline
▲ 0.50% · 4.625%
HK$5,404
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,188/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$5,332
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,475
−HK$145/mo
Today · 4.125%
HK$5,620
baseline
▲ 0.50% · 4.625%
HK$5,917
+HK$297/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,240/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$5,752
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,931
−HK$181/mo
Today · 4.125%
HK$6,112
baseline
▲ 0.50% · 4.625%
HK$6,484
+HK$372/mo
Deposit HK$841K · loan HK$1.26M · min. income ≈ HK$12,224/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,399
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,570
−HK$174/mo
Today · 4.125%
HK$6,744
baseline
▲ 0.50% · 4.625%
HK$7,100
+HK$356/mo
Deposit HK$841K · loan HK$1.26M · min. income ≈ HK$13,488/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,710
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,919
−HK$212/mo
Today · 4.125%
HK$7,131
baseline
▲ 0.50% · 4.625%
HK$7,565
+HK$434/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$14,262/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,465
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,665
−HK$203/mo
Today · 4.125%
HK$7,868
baseline
▲ 0.50% · 4.625%
HK$8,283
+HK$415/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$15,736/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,628
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,896
−HK$273/mo
Today · 4.125%
HK$9,169
baseline
▲ 0.50% · 4.625%
HK$9,726
+HK$557/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,338/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$9,598
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,855
−HK$262/mo
Today · 4.125%
HK$10,117
baseline
▲ 0.50% · 4.625%
HK$10,650
+HK$533/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,234/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).