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$4,785
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,934
−HK$151/mo
Today · 4.125%
HK$5,085
baseline
▲ 0.50% · 4.625%
HK$5,395
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,170/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$5,324
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,466
−HK$145/mo
Today · 4.125%
HK$5,611
baseline
▲ 0.50% · 4.625%
HK$5,907
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,222/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$5,742
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,921
−HK$181/mo
Today · 4.125%
HK$6,102
baseline
▲ 0.50% · 4.625%
HK$6,474
+HK$372/mo
Deposit HK$839K · loan HK$1.26M · min. income ≈ HK$12,204/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$6,388
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,560
−HK$173/mo
Today · 4.125%
HK$6,733
baseline
▲ 0.50% · 4.625%
HK$7,088
+HK$355/mo
Deposit HK$839K · loan HK$1.26M · min. income ≈ HK$13,466/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$6,699
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,908
−HK$211/mo
Today · 4.125%
HK$7,119
baseline
▲ 0.50% · 4.625%
HK$7,553
+HK$434/mo
Deposit HK$630K · loan HK$1.47M · min. income ≈ HK$14,238/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$7,453
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,653
−HK$203/mo
Today · 4.125%
HK$7,856
baseline
▲ 0.50% · 4.625%
HK$8,270
+HK$414/mo
Deposit HK$630K · loan HK$1.47M · min. income ≈ HK$15,712/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$8,613
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,881
−HK$273/mo
Today · 4.125%
HK$9,154
baseline
▲ 0.50% · 4.625%
HK$9,711
+HK$557/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,308/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$9,582
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,839
−HK$261/mo
Today · 4.125%
HK$10,100
baseline
▲ 0.50% · 4.625%
HK$10,632
+HK$532/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,200/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).