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$4,732
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,879
−HK$150/mo
Today · 4.125%
HK$5,029
baseline
▲ 0.50% · 4.625%
HK$5,335
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,058/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$5,264
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,405
−HK$144/mo
Today · 4.125%
HK$5,549
baseline
▲ 0.50% · 4.625%
HK$5,841
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,098/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$5,678
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,855
−HK$179/mo
Today · 4.125%
HK$6,034
baseline
▲ 0.50% · 4.625%
HK$6,402
+HK$368/mo
Deposit HK$830K · loan HK$1.25M · min. income ≈ HK$12,068/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,317
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,486
−HK$172/mo
Today · 4.125%
HK$6,658
baseline
▲ 0.50% · 4.625%
HK$7,009
+HK$351/mo
Deposit HK$830K · loan HK$1.25M · min. income ≈ HK$13,316/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,625
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,831
−HK$209/mo
Today · 4.125%
HK$7,040
baseline
▲ 0.50% · 4.625%
HK$7,468
+HK$428/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$14,080/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,370
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,568
−HK$200/mo
Today · 4.125%
HK$7,768
baseline
▲ 0.50% · 4.625%
HK$8,178
+HK$410/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$15,536/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,517
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,782
−HK$270/mo
Today · 4.125%
HK$9,052
baseline
▲ 0.50% · 4.625%
HK$9,602
+HK$550/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,104/mo (50% DSR)
Upfront cash ≈ HK$208K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,476
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,730
−HK$258/mo
Today · 4.125%
HK$9,988
baseline
▲ 0.50% · 4.625%
HK$10,514
+HK$526/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$19,976/mo (50% DSR)
Upfront cash ≈ HK$208K (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).