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$4,948
−HK$151/mo
Today · 4.125%
HK$5,099
baseline
▲ 0.50% · 4.625%
HK$5,410
+HK$311/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$5,338
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,481
−HK$146/mo
Today · 4.125%
HK$5,627
baseline
▲ 0.50% · 4.625%
HK$5,923
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,254/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$5,758
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,937
−HK$182/mo
Today · 4.125%
HK$6,119
baseline
▲ 0.50% · 4.625%
HK$6,491
+HK$372/mo
Deposit HK$842K · loan HK$1.26M · min. income ≈ HK$12,238/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$6,406
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,578
−HK$174/mo
Today · 4.125%
HK$6,752
baseline
▲ 0.50% · 4.625%
HK$7,108
+HK$356/mo
Deposit HK$842K · loan HK$1.26M · min. income ≈ HK$13,504/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$6,718
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,927
−HK$212/mo
Today · 4.125%
HK$7,139
baseline
▲ 0.50% · 4.625%
HK$7,573
+HK$434/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$14,278/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$7,473
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,674
−HK$203/mo
Today · 4.125%
HK$7,877
baseline
▲ 0.50% · 4.625%
HK$8,292
+HK$415/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$15,754/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$8,637
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,906
−HK$273/mo
Today · 4.125%
HK$9,179
baseline
▲ 0.50% · 4.625%
HK$9,737
+HK$558/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,358/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$9,609
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,866
−HK$262/mo
Today · 4.125%
HK$10,128
baseline
▲ 0.50% · 4.625%
HK$10,662
+HK$534/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,256/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).