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$4,786
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,935
−HK$152/mo
Today · 4.125%
HK$5,087
baseline
▲ 0.50% · 4.625%
HK$5,396
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,174/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$5,325
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,468
−HK$144/mo
Today · 4.125%
HK$5,612
baseline
▲ 0.50% · 4.625%
HK$5,908
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,224/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$5,744
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,922
−HK$182/mo
Today · 4.125%
HK$6,104
baseline
▲ 0.50% · 4.625%
HK$6,475
+HK$371/mo
Deposit HK$840K · loan HK$1.26M · min. income ≈ HK$12,208/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,390
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,561
−HK$174/mo
Today · 4.125%
HK$6,735
baseline
▲ 0.50% · 4.625%
HK$7,090
+HK$355/mo
Deposit HK$840K · loan HK$1.26M · min. income ≈ HK$13,470/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,701
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,909
−HK$212/mo
Today · 4.125%
HK$7,121
baseline
▲ 0.50% · 4.625%
HK$7,554
+HK$433/mo
Deposit HK$630K · loan HK$1.47M · min. income ≈ HK$14,242/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,455
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,655
−HK$202/mo
Today · 4.125%
HK$7,857
baseline
▲ 0.50% · 4.625%
HK$8,272
+HK$415/mo
Deposit HK$630K · loan HK$1.47M · min. income ≈ HK$15,714/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,615
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,883
−HK$273/mo
Today · 4.125%
HK$9,156
baseline
▲ 0.50% · 4.625%
HK$9,713
+HK$557/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,312/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$9,585
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,842
−HK$260/mo
Today · 4.125%
HK$10,102
baseline
▲ 0.50% · 4.625%
HK$10,635
+HK$533/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,204/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).