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$4,784
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,932
−HK$152/mo
Today · 4.125%
HK$5,084
baseline
▲ 0.50% · 4.625%
HK$5,393
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,168/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$5,322
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,464
−HK$145/mo
Today · 4.125%
HK$5,609
baseline
▲ 0.50% · 4.625%
HK$5,905
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,218/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$5,740
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,919
−HK$181/mo
Today · 4.125%
HK$6,100
baseline
▲ 0.50% · 4.625%
HK$6,471
+HK$371/mo
Deposit HK$839K · loan HK$1.26M · min. income ≈ HK$12,200/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,386
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,557
−HK$174/mo
Today · 4.125%
HK$6,731
baseline
▲ 0.50% · 4.625%
HK$7,086
+HK$355/mo
Deposit HK$839K · loan HK$1.26M · min. income ≈ HK$13,462/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,697
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,905
−HK$212/mo
Today · 4.125%
HK$7,117
baseline
▲ 0.50% · 4.625%
HK$7,550
+HK$433/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$14,234/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,450
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,650
−HK$203/mo
Today · 4.125%
HK$7,853
baseline
▲ 0.50% · 4.625%
HK$8,267
+HK$414/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$15,706/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,610
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,878
−HK$272/mo
Today · 4.125%
HK$9,150
baseline
▲ 0.50% · 4.625%
HK$9,707
+HK$557/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,300/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$9,579
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,836
−HK$261/mo
Today · 4.125%
HK$10,097
baseline
▲ 0.50% · 4.625%
HK$10,629
+HK$532/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,194/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).