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$4,772
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,920
−HK$151/mo
Today · 4.125%
HK$5,071
baseline
▲ 0.50% · 4.625%
HK$5,379
+HK$308/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,142/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$5,308
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,451
−HK$144/mo
Today · 4.125%
HK$5,595
baseline
▲ 0.50% · 4.625%
HK$5,890
+HK$295/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,190/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$5,726
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,904
−HK$181/mo
Today · 4.125%
HK$6,085
baseline
▲ 0.50% · 4.625%
HK$6,455
+HK$370/mo
Deposit HK$837K · loan HK$1.26M · min. income ≈ HK$12,170/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,370
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,541
−HK$173/mo
Today · 4.125%
HK$6,714
baseline
▲ 0.50% · 4.625%
HK$7,068
+HK$354/mo
Deposit HK$837K · loan HK$1.26M · min. income ≈ HK$13,428/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,680
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,888
−HK$211/mo
Today · 4.125%
HK$7,099
baseline
▲ 0.50% · 4.625%
HK$7,531
+HK$432/mo
Deposit HK$628K · loan HK$1.46M · min. income ≈ HK$14,198/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,432
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,631
−HK$202/mo
Today · 4.125%
HK$7,833
baseline
▲ 0.50% · 4.625%
HK$8,246
+HK$413/mo
Deposit HK$628K · loan HK$1.46M · min. income ≈ HK$15,666/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,589
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,856
−HK$272/mo
Today · 4.125%
HK$9,128
baseline
▲ 0.50% · 4.625%
HK$9,683
+HK$555/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,256/mo (50% DSR)
Upfront cash ≈ HK$209K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,555
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,811
−HK$260/mo
Today · 4.125%
HK$10,071
baseline
▲ 0.50% · 4.625%
HK$10,602
+HK$531/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,142/mo (50% DSR)
Upfront cash ≈ HK$209K (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).