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$4,778
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,926
−HK$151/mo
Today · 4.125%
HK$5,077
baseline
▲ 0.50% · 4.625%
HK$5,386
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,154/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$5,315
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,458
−HK$144/mo
Today · 4.125%
HK$5,602
baseline
▲ 0.50% · 4.625%
HK$5,898
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,204/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$5,733
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,912
−HK$181/mo
Today · 4.125%
HK$6,093
baseline
▲ 0.50% · 4.625%
HK$6,463
+HK$370/mo
Deposit HK$838K · loan HK$1.26M · min. income ≈ HK$12,186/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,378
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,549
−HK$174/mo
Today · 4.125%
HK$6,723
baseline
▲ 0.50% · 4.625%
HK$7,077
+HK$354/mo
Deposit HK$838K · loan HK$1.26M · min. income ≈ HK$13,446/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,689
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,897
−HK$211/mo
Today · 4.125%
HK$7,108
baseline
▲ 0.50% · 4.625%
HK$7,541
+HK$433/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$14,216/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,441
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,641
−HK$202/mo
Today · 4.125%
HK$7,843
baseline
▲ 0.50% · 4.625%
HK$8,257
+HK$414/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$15,686/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,600
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,867
−HK$272/mo
Today · 4.125%
HK$9,139
baseline
▲ 0.50% · 4.625%
HK$9,695
+HK$556/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,278/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$9,567
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,824
−HK$260/mo
Today · 4.125%
HK$10,084
baseline
▲ 0.50% · 4.625%
HK$10,616
+HK$532/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,168/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).