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$4,760
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,908
−HK$151/mo
Today · 4.125%
HK$5,059
baseline
▲ 0.50% · 4.625%
HK$5,367
+HK$308/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,118/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$5,296
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,438
−HK$144/mo
Today · 4.125%
HK$5,582
baseline
▲ 0.50% · 4.625%
HK$5,876
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,164/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$5,712
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,890
−HK$180/mo
Today · 4.125%
HK$6,070
baseline
▲ 0.50% · 4.625%
HK$6,440
+HK$370/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$12,140/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$6,355
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,525
−HK$173/mo
Today · 4.125%
HK$6,698
baseline
▲ 0.50% · 4.625%
HK$7,051
+HK$353/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$13,396/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$6,664
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,872
−HK$210/mo
Today · 4.125%
HK$7,082
baseline
▲ 0.50% · 4.625%
HK$7,513
+HK$431/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$14,164/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$7,414
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,613
−HK$202/mo
Today · 4.125%
HK$7,815
baseline
▲ 0.50% · 4.625%
HK$8,226
+HK$411/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$15,630/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$8,568
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,835
−HK$271/mo
Today · 4.125%
HK$9,106
baseline
▲ 0.50% · 4.625%
HK$9,660
+HK$554/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,212/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$9,532
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,788
−HK$259/mo
Today · 4.125%
HK$10,047
baseline
▲ 0.50% · 4.625%
HK$10,577
+HK$530/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,094/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).