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$4,804
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,953
−HK$152/mo
Today · 4.125%
HK$5,105
baseline
▲ 0.50% · 4.625%
HK$5,416
+HK$311/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,210/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$5,344
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,487
−HK$146/mo
Today · 4.125%
HK$5,633
baseline
▲ 0.50% · 4.625%
HK$5,930
+HK$297/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,266/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$5,764
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,944
−HK$182/mo
Today · 4.125%
HK$6,126
baseline
▲ 0.50% · 4.625%
HK$6,499
+HK$373/mo
Deposit HK$843K · loan HK$1.26M · min. income ≈ HK$12,252/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,413
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,585
−HK$174/mo
Today · 4.125%
HK$6,759
baseline
▲ 0.50% · 4.625%
HK$7,116
+HK$357/mo
Deposit HK$843K · loan HK$1.26M · min. income ≈ HK$13,518/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,725
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,934
−HK$213/mo
Today · 4.125%
HK$7,147
baseline
▲ 0.50% · 4.625%
HK$7,582
+HK$435/mo
Deposit HK$632K · loan HK$1.47M · min. income ≈ HK$14,294/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,482
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,682
−HK$204/mo
Today · 4.125%
HK$7,886
baseline
▲ 0.50% · 4.625%
HK$8,302
+HK$416/mo
Deposit HK$632K · loan HK$1.47M · min. income ≈ HK$15,772/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,647
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,916
−HK$273/mo
Today · 4.125%
HK$9,189
baseline
▲ 0.50% · 4.625%
HK$9,748
+HK$559/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,378/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$9,619
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,877
−HK$262/mo
Today · 4.125%
HK$10,139
baseline
▲ 0.50% · 4.625%
HK$10,674
+HK$535/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,278/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).