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$4,798
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,947
−HK$152/mo
Today · 4.125%
HK$5,099
baseline
▲ 0.50% · 4.625%
HK$5,409
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,198/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$5,337
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,481
−HK$145/mo
Today · 4.125%
HK$5,626
baseline
▲ 0.50% · 4.625%
HK$5,922
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,252/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$5,757
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,936
−HK$182/mo
Today · 4.125%
HK$6,118
baseline
▲ 0.50% · 4.625%
HK$6,491
+HK$373/mo
Deposit HK$842K · loan HK$1.26M · min. income ≈ HK$12,236/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,405
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,577
−HK$174/mo
Today · 4.125%
HK$6,751
baseline
▲ 0.50% · 4.625%
HK$7,107
+HK$356/mo
Deposit HK$842K · loan HK$1.26M · min. income ≈ HK$13,502/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,717
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,926
−HK$212/mo
Today · 4.125%
HK$7,138
baseline
▲ 0.50% · 4.625%
HK$7,572
+HK$434/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$14,276/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,472
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,673
−HK$203/mo
Today · 4.125%
HK$7,876
baseline
▲ 0.50% · 4.625%
HK$8,291
+HK$415/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$15,752/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,636
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,905
−HK$273/mo
Today · 4.125%
HK$9,178
baseline
▲ 0.50% · 4.625%
HK$9,736
+HK$558/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,356/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,607
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,865
−HK$261/mo
Today · 4.125%
HK$10,126
baseline
▲ 0.50% · 4.625%
HK$10,660
+HK$534/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,252/mo (50% DSR)
Upfront cash ≈ HK$211K (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).