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$4,793
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,942
−HK$152/mo
Today · 4.125%
HK$5,094
baseline
▲ 0.50% · 4.625%
HK$5,404
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,188/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$5,332
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,475
−HK$146/mo
Today · 4.125%
HK$5,621
baseline
▲ 0.50% · 4.625%
HK$5,917
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,242/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$5,752
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,931
−HK$182/mo
Today · 4.125%
HK$6,113
baseline
▲ 0.50% · 4.625%
HK$6,485
+HK$372/mo
Deposit HK$841K · loan HK$1.26M · min. income ≈ HK$12,226/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,399
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,571
−HK$174/mo
Today · 4.125%
HK$6,745
baseline
▲ 0.50% · 4.625%
HK$7,100
+HK$355/mo
Deposit HK$841K · loan HK$1.26M · min. income ≈ HK$13,490/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,711
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,919
−HK$212/mo
Today · 4.125%
HK$7,131
baseline
▲ 0.50% · 4.625%
HK$7,565
+HK$434/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$14,262/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,465
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,666
−HK$203/mo
Today · 4.125%
HK$7,869
baseline
▲ 0.50% · 4.625%
HK$8,284
+HK$415/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$15,738/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,628
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,896
−HK$273/mo
Today · 4.125%
HK$9,169
baseline
▲ 0.50% · 4.625%
HK$9,727
+HK$558/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,338/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$9,598
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,856
−HK$261/mo
Today · 4.125%
HK$10,117
baseline
▲ 0.50% · 4.625%
HK$10,650
+HK$533/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,234/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).