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$4,741
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,888
−HK$150/mo
Today · 4.125%
HK$5,038
baseline
▲ 0.50% · 4.625%
HK$5,345
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,076/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$5,274
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,416
−HK$143/mo
Today · 4.125%
HK$5,559
baseline
▲ 0.50% · 4.625%
HK$5,852
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,118/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$5,689
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,866
−HK$180/mo
Today · 4.125%
HK$6,046
baseline
▲ 0.50% · 4.625%
HK$6,414
+HK$368/mo
Deposit HK$832K · loan HK$1.25M · min. income ≈ HK$12,092/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,329
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,499
−HK$172/mo
Today · 4.125%
HK$6,671
baseline
▲ 0.50% · 4.625%
HK$7,023
+HK$352/mo
Deposit HK$832K · loan HK$1.25M · min. income ≈ HK$13,342/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,637
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,844
−HK$209/mo
Today · 4.125%
HK$7,053
baseline
▲ 0.50% · 4.625%
HK$7,483
+HK$430/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$14,106/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,384
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,582
−HK$201/mo
Today · 4.125%
HK$7,783
baseline
▲ 0.50% · 4.625%
HK$8,193
+HK$410/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$15,566/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,534
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,799
−HK$270/mo
Today · 4.125%
HK$9,069
baseline
▲ 0.50% · 4.625%
HK$9,620
+HK$551/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,138/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$9,493
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,748
−HK$258/mo
Today · 4.125%
HK$10,006
baseline
▲ 0.50% · 4.625%
HK$10,534
+HK$528/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$20,012/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).