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$4,809
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,959
−HK$152/mo
Today · 4.125%
HK$5,111
baseline
▲ 0.50% · 4.625%
HK$5,422
+HK$311/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,222/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$5,350
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,493
−HK$146/mo
Today · 4.125%
HK$5,639
baseline
▲ 0.50% · 4.625%
HK$5,936
+HK$297/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,278/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$5,771
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,950
−HK$183/mo
Today · 4.125%
HK$6,133
baseline
▲ 0.50% · 4.625%
HK$6,506
+HK$373/mo
Deposit HK$844K · loan HK$1.27M · min. income ≈ HK$12,266/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,420
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,592
−HK$175/mo
Today · 4.125%
HK$6,767
baseline
▲ 0.50% · 4.625%
HK$7,124
+HK$357/mo
Deposit HK$844K · loan HK$1.27M · min. income ≈ HK$13,534/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,733
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,942
−HK$213/mo
Today · 4.125%
HK$7,155
baseline
▲ 0.50% · 4.625%
HK$7,590
+HK$435/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$14,310/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,490
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,691
−HK$204/mo
Today · 4.125%
HK$7,895
baseline
▲ 0.50% · 4.625%
HK$8,311
+HK$416/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$15,790/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,656
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,925
−HK$274/mo
Today · 4.125%
HK$9,199
baseline
▲ 0.50% · 4.625%
HK$9,759
+HK$560/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,398/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$9,630
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,888
−HK$262/mo
Today · 4.125%
HK$10,150
baseline
▲ 0.50% · 4.625%
HK$10,685
+HK$535/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,300/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).