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$4,759
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,907
−HK$150/mo
Today · 4.125%
HK$5,057
baseline
▲ 0.50% · 4.625%
HK$5,365
+HK$308/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,114/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$5,294
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,436
−HK$144/mo
Today · 4.125%
HK$5,580
baseline
▲ 0.50% · 4.625%
HK$5,874
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,160/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$5,710
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,888
−HK$180/mo
Today · 4.125%
HK$6,068
baseline
▲ 0.50% · 4.625%
HK$6,438
+HK$370/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$12,136/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$6,353
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,523
−HK$173/mo
Today · 4.125%
HK$6,696
baseline
▲ 0.50% · 4.625%
HK$7,049
+HK$353/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$13,392/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$6,662
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,869
−HK$211/mo
Today · 4.125%
HK$7,080
baseline
▲ 0.50% · 4.625%
HK$7,511
+HK$431/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$14,160/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$7,412
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,610
−HK$202/mo
Today · 4.125%
HK$7,812
baseline
▲ 0.50% · 4.625%
HK$8,224
+HK$412/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$15,624/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$8,566
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,832
−HK$271/mo
Today · 4.125%
HK$9,103
baseline
▲ 0.50% · 4.625%
HK$9,657
+HK$554/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,206/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$9,529
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,785
−HK$259/mo
Today · 4.125%
HK$10,044
baseline
▲ 0.50% · 4.625%
HK$10,573
+HK$529/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,088/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).