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$4,779
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,927
−HK$151/mo
Today · 4.125%
HK$5,078
baseline
▲ 0.50% · 4.625%
HK$5,387
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,156/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$5,316
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,459
−HK$144/mo
Today · 4.125%
HK$5,603
baseline
▲ 0.50% · 4.625%
HK$5,899
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,206/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$5,734
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,913
−HK$181/mo
Today · 4.125%
HK$6,094
baseline
▲ 0.50% · 4.625%
HK$6,465
+HK$371/mo
Deposit HK$838K · loan HK$1.26M · min. income ≈ HK$12,188/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,379
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,550
−HK$174/mo
Today · 4.125%
HK$6,724
baseline
▲ 0.50% · 4.625%
HK$7,078
+HK$354/mo
Deposit HK$838K · loan HK$1.26M · min. income ≈ HK$13,448/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,690
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,898
−HK$211/mo
Today · 4.125%
HK$7,109
baseline
▲ 0.50% · 4.625%
HK$7,542
+HK$433/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$14,218/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$7,442
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,642
−HK$203/mo
Today · 4.125%
HK$7,845
baseline
▲ 0.50% · 4.625%
HK$8,258
+HK$413/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$15,690/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$8,601
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,869
−HK$272/mo
Today · 4.125%
HK$9,141
baseline
▲ 0.50% · 4.625%
HK$9,697
+HK$556/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,282/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$9,569
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,825
−HK$261/mo
Today · 4.125%
HK$10,086
baseline
▲ 0.50% · 4.625%
HK$10,617
+HK$531/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,172/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).