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$4,763
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,911
−HK$151/mo
Today · 4.125%
HK$5,062
baseline
▲ 0.50% · 4.625%
HK$5,370
+HK$308/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,124/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$5,299
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,441
−HK$144/mo
Today · 4.125%
HK$5,585
baseline
▲ 0.50% · 4.625%
HK$5,879
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,170/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$5,715
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,893
−HK$181/mo
Today · 4.125%
HK$6,074
baseline
▲ 0.50% · 4.625%
HK$6,443
+HK$369/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$12,148/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,358
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,529
−HK$173/mo
Today · 4.125%
HK$6,702
baseline
▲ 0.50% · 4.625%
HK$7,055
+HK$353/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$13,404/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,668
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,875
−HK$211/mo
Today · 4.125%
HK$7,086
baseline
▲ 0.50% · 4.625%
HK$7,517
+HK$431/mo
Deposit HK$627K · loan HK$1.46M · min. income ≈ HK$14,172/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,418
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,617
−HK$202/mo
Today · 4.125%
HK$7,819
baseline
▲ 0.50% · 4.625%
HK$8,231
+HK$412/mo
Deposit HK$627K · loan HK$1.46M · min. income ≈ HK$15,638/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,573
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,840
−HK$271/mo
Today · 4.125%
HK$9,111
baseline
▲ 0.50% · 4.625%
HK$9,665
+HK$554/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,222/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$9,538
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,793
−HK$260/mo
Today · 4.125%
HK$10,053
baseline
▲ 0.50% · 4.625%
HK$10,583
+HK$530/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,106/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).