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$4,766
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,914
−HK$151/mo
Today · 4.125%
HK$5,065
baseline
▲ 0.50% · 4.625%
HK$5,373
+HK$308/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,130/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$5,302
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,444
−HK$145/mo
Today · 4.125%
HK$5,589
baseline
▲ 0.50% · 4.625%
HK$5,883
+HK$294/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,178/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$5,719
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,897
−HK$181/mo
Today · 4.125%
HK$6,078
baseline
▲ 0.50% · 4.625%
HK$6,448
+HK$370/mo
Deposit HK$836K · loan HK$1.25M · min. income ≈ HK$12,156/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,363
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,533
−HK$173/mo
Today · 4.125%
HK$6,706
baseline
▲ 0.50% · 4.625%
HK$7,060
+HK$354/mo
Deposit HK$836K · loan HK$1.25M · min. income ≈ HK$13,412/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,672
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,880
−HK$211/mo
Today · 4.125%
HK$7,091
baseline
▲ 0.50% · 4.625%
HK$7,522
+HK$431/mo
Deposit HK$627K · loan HK$1.46M · min. income ≈ HK$14,182/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,423
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,622
−HK$202/mo
Today · 4.125%
HK$7,824
baseline
▲ 0.50% · 4.625%
HK$8,237
+HK$413/mo
Deposit HK$627K · loan HK$1.46M · min. income ≈ HK$15,648/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,579
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,846
−HK$271/mo
Today · 4.125%
HK$9,117
baseline
▲ 0.50% · 4.625%
HK$9,672
+HK$555/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,234/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$9,544
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,800
−HK$260/mo
Today · 4.125%
HK$10,060
baseline
▲ 0.50% · 4.625%
HK$10,590
+HK$530/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,120/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).