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$4,758
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,906
−HK$151/mo
Today · 4.125%
HK$5,057
baseline
▲ 0.50% · 4.625%
HK$5,364
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,114/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$5,294
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,436
−HK$144/mo
Today · 4.125%
HK$5,580
baseline
▲ 0.50% · 4.625%
HK$5,874
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,160/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$5,710
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,888
−HK$180/mo
Today · 4.125%
HK$6,068
baseline
▲ 0.50% · 4.625%
HK$6,437
+HK$369/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$12,136/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$6,352
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,523
−HK$173/mo
Today · 4.125%
HK$6,696
baseline
▲ 0.50% · 4.625%
HK$7,048
+HK$352/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$13,392/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$6,662
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,869
−HK$210/mo
Today · 4.125%
HK$7,079
baseline
▲ 0.50% · 4.625%
HK$7,510
+HK$431/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$14,158/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$7,411
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,610
−HK$201/mo
Today · 4.125%
HK$7,811
baseline
▲ 0.50% · 4.625%
HK$8,223
+HK$412/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$15,622/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$8,565
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,831
−HK$271/mo
Today · 4.125%
HK$9,102
baseline
▲ 0.50% · 4.625%
HK$9,656
+HK$554/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,204/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$9,528
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,784
−HK$259/mo
Today · 4.125%
HK$10,043
baseline
▲ 0.50% · 4.625%
HK$10,573
+HK$530/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,086/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).