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$4,747
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,894
−HK$150/mo
Today · 4.125%
HK$5,044
baseline
▲ 0.50% · 4.625%
HK$5,351
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,088/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$5,281
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,422
−HK$144/mo
Today · 4.125%
HK$5,566
baseline
▲ 0.50% · 4.625%
HK$5,859
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,132/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$5,696
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,873
−HK$180/mo
Today · 4.125%
HK$6,053
baseline
▲ 0.50% · 4.625%
HK$6,421
+HK$368/mo
Deposit HK$833K · loan HK$1.25M · min. income ≈ HK$12,106/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,337
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,507
−HK$172/mo
Today · 4.125%
HK$6,679
baseline
▲ 0.50% · 4.625%
HK$7,031
+HK$352/mo
Deposit HK$833K · loan HK$1.25M · min. income ≈ HK$13,358/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,645
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,852
−HK$210/mo
Today · 4.125%
HK$7,062
baseline
▲ 0.50% · 4.625%
HK$7,492
+HK$430/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$14,124/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,393
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,591
−HK$201/mo
Today · 4.125%
HK$7,792
baseline
▲ 0.50% · 4.625%
HK$8,203
+HK$411/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$15,584/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,544
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,810
−HK$270/mo
Today · 4.125%
HK$9,080
baseline
▲ 0.50% · 4.625%
HK$9,632
+HK$552/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,160/mo (50% DSR)
Upfront cash ≈ HK$208K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,505
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,760
−HK$259/mo
Today · 4.125%
HK$10,019
baseline
▲ 0.50% · 4.625%
HK$10,547
+HK$528/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$20,038/mo (50% DSR)
Upfront cash ≈ HK$208K (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).