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$4,808
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,958
−HK$152/mo
Today · 4.125%
HK$5,110
baseline
▲ 0.50% · 4.625%
HK$5,421
+HK$311/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,220/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$5,349
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,493
−HK$145/mo
Today · 4.125%
HK$5,638
baseline
▲ 0.50% · 4.625%
HK$5,935
+HK$297/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,276/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$5,770
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,949
−HK$183/mo
Today · 4.125%
HK$6,132
baseline
▲ 0.50% · 4.625%
HK$6,505
+HK$373/mo
Deposit HK$843K · loan HK$1.27M · min. income ≈ HK$12,264/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,419
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,591
−HK$175/mo
Today · 4.125%
HK$6,766
baseline
▲ 0.50% · 4.625%
HK$7,122
+HK$356/mo
Deposit HK$843K · loan HK$1.27M · min. income ≈ HK$13,532/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,732
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,941
−HK$213/mo
Today · 4.125%
HK$7,154
baseline
▲ 0.50% · 4.625%
HK$7,589
+HK$435/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$14,308/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,489
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,690
−HK$203/mo
Today · 4.125%
HK$7,893
baseline
▲ 0.50% · 4.625%
HK$8,309
+HK$416/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$15,786/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,655
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,924
−HK$274/mo
Today · 4.125%
HK$9,198
baseline
▲ 0.50% · 4.625%
HK$9,757
+HK$559/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,396/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$9,628
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,887
−HK$262/mo
Today · 4.125%
HK$10,149
baseline
▲ 0.50% · 4.625%
HK$10,684
+HK$535/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,298/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).