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$298/mo
▼ 0.25% · 3.875%
HK$4,889
−HK$150/mo
Today · 4.125%
HK$5,039
baseline
▲ 0.50% · 4.625%
HK$5,345
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,078/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$5,275
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,416
−HK$144/mo
Today · 4.125%
HK$5,560
baseline
▲ 0.50% · 4.625%
HK$5,853
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,120/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$5,690
−HK$356/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$6,330
−HK$341/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$6,638
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,844
−HK$210/mo
Today · 4.125%
HK$7,054
baseline
▲ 0.50% · 4.625%
HK$7,483
+HK$429/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$14,108/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$8,194
+HK$411/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$8,800
−HK$269/mo
Today · 4.125%
HK$9,069
baseline
▲ 0.50% · 4.625%
HK$9,621
+HK$552/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$9,494
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,749
−HK$258/mo
Today · 4.125%
HK$10,007
baseline
▲ 0.50% · 4.625%
HK$10,535
+HK$528/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$20,014/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).