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$4,787
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,936
−HK$151/mo
Today · 4.125%
HK$5,087
baseline
▲ 0.50% · 4.625%
HK$5,396
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,174/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$5,325
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,468
−HK$145/mo
Today · 4.125%
HK$5,613
baseline
▲ 0.50% · 4.625%
HK$5,909
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,226/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$5,744
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,923
−HK$181/mo
Today · 4.125%
HK$6,104
baseline
▲ 0.50% · 4.625%
HK$6,476
+HK$372/mo
Deposit HK$840K · loan HK$1.26M · min. income ≈ HK$12,208/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,390
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,562
−HK$174/mo
Today · 4.125%
HK$6,736
baseline
▲ 0.50% · 4.625%
HK$7,091
+HK$355/mo
Deposit HK$840K · loan HK$1.26M · min. income ≈ HK$13,472/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,701
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,910
−HK$212/mo
Today · 4.125%
HK$7,122
baseline
▲ 0.50% · 4.625%
HK$7,555
+HK$433/mo
Deposit HK$630K · loan HK$1.47M · min. income ≈ HK$14,244/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,455
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,655
−HK$203/mo
Today · 4.125%
HK$7,858
baseline
▲ 0.50% · 4.625%
HK$8,272
+HK$414/mo
Deposit HK$630K · loan HK$1.47M · min. income ≈ HK$15,716/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,616
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,884
−HK$272/mo
Today · 4.125%
HK$9,156
baseline
▲ 0.50% · 4.625%
HK$9,714
+HK$558/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,312/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$9,585
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,842
−HK$261/mo
Today · 4.125%
HK$10,103
baseline
▲ 0.50% · 4.625%
HK$10,636
+HK$533/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,206/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).