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$4,799
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,948
−HK$152/mo
Today · 4.125%
HK$5,100
baseline
▲ 0.50% · 4.625%
HK$5,410
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,200/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$5,339
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,482
−HK$145/mo
Today · 4.125%
HK$5,627
baseline
▲ 0.50% · 4.625%
HK$5,924
+HK$297/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,254/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$5,759
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,938
−HK$182/mo
Today · 4.125%
HK$6,120
baseline
▲ 0.50% · 4.625%
HK$6,492
+HK$372/mo
Deposit HK$842K · loan HK$1.26M · min. income ≈ HK$12,240/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,407
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,579
−HK$174/mo
Today · 4.125%
HK$6,753
baseline
▲ 0.50% · 4.625%
HK$7,109
+HK$356/mo
Deposit HK$842K · loan HK$1.26M · min. income ≈ HK$13,506/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,719
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,928
−HK$212/mo
Today · 4.125%
HK$7,140
baseline
▲ 0.50% · 4.625%
HK$7,574
+HK$434/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$14,280/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$7,475
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,675
−HK$203/mo
Today · 4.125%
HK$7,878
baseline
▲ 0.50% · 4.625%
HK$8,294
+HK$416/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$15,756/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$8,638
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,907
−HK$273/mo
Today · 4.125%
HK$9,180
baseline
▲ 0.50% · 4.625%
HK$9,739
+HK$559/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,360/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,610
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,868
−HK$261/mo
Today · 4.125%
HK$10,129
baseline
▲ 0.50% · 4.625%
HK$10,663
+HK$534/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,258/mo (50% DSR)
Upfront cash ≈ HK$211K (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).