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$4,761
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,909
−HK$150/mo
Today · 4.125%
HK$5,059
baseline
▲ 0.50% · 4.625%
HK$5,367
+HK$308/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,118/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,296
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,439
−HK$144/mo
Today · 4.125%
HK$5,583
baseline
▲ 0.50% · 4.625%
HK$5,877
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,166/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,713
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,891
−HK$180/mo
Today · 4.125%
HK$6,071
baseline
▲ 0.50% · 4.625%
HK$6,441
+HK$370/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$12,142/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,356
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,526
−HK$173/mo
Today · 4.125%
HK$6,699
baseline
▲ 0.50% · 4.625%
HK$7,052
+HK$353/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$13,398/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,665
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,873
−HK$210/mo
Today · 4.125%
HK$7,083
baseline
▲ 0.50% · 4.625%
HK$7,514
+HK$431/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$14,166/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,415
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,614
−HK$202/mo
Today · 4.125%
HK$7,816
baseline
▲ 0.50% · 4.625%
HK$8,228
+HK$412/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$15,632/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,570
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,836
−HK$271/mo
Today · 4.125%
HK$9,107
baseline
▲ 0.50% · 4.625%
HK$9,661
+HK$554/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,214/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$9,534
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,789
−HK$260/mo
Today · 4.125%
HK$10,049
baseline
▲ 0.50% · 4.625%
HK$10,578
+HK$529/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,098/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).