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$4,773
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,922
−HK$151/mo
Today · 4.125%
HK$5,073
baseline
▲ 0.50% · 4.625%
HK$5,381
+HK$308/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,146/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$5,310
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,453
−HK$144/mo
Today · 4.125%
HK$5,597
baseline
▲ 0.50% · 4.625%
HK$5,892
+HK$295/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,194/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$5,728
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,906
−HK$181/mo
Today · 4.125%
HK$6,087
baseline
▲ 0.50% · 4.625%
HK$6,458
+HK$371/mo
Deposit HK$837K · loan HK$1.26M · min. income ≈ HK$12,174/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$6,372
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,543
−HK$174/mo
Today · 4.125%
HK$6,717
baseline
▲ 0.50% · 4.625%
HK$7,071
+HK$354/mo
Deposit HK$837K · loan HK$1.26M · min. income ≈ HK$13,434/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$6,683
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,891
−HK$211/mo
Today · 4.125%
HK$7,102
baseline
▲ 0.50% · 4.625%
HK$7,534
+HK$432/mo
Deposit HK$628K · loan HK$1.47M · min. income ≈ HK$14,204/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$7,434
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,634
−HK$202/mo
Today · 4.125%
HK$7,836
baseline
▲ 0.50% · 4.625%
HK$8,249
+HK$413/mo
Deposit HK$628K · loan HK$1.47M · min. income ≈ HK$15,672/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$8,592
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,859
−HK$272/mo
Today · 4.125%
HK$9,131
baseline
▲ 0.50% · 4.625%
HK$9,686
+HK$555/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,262/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$9,559
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,815
−HK$260/mo
Today · 4.125%
HK$10,075
baseline
▲ 0.50% · 4.625%
HK$10,606
+HK$531/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,150/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).