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$4,757
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,905
−HK$151/mo
Today · 4.125%
HK$5,056
baseline
▲ 0.50% · 4.625%
HK$5,363
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,112/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$5,292
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,434
−HK$144/mo
Today · 4.125%
HK$5,578
baseline
▲ 0.50% · 4.625%
HK$5,872
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,156/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$5,709
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,886
−HK$181/mo
Today · 4.125%
HK$6,067
baseline
▲ 0.50% · 4.625%
HK$6,436
+HK$369/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$12,134/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$6,351
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,521
−HK$173/mo
Today · 4.125%
HK$6,694
baseline
▲ 0.50% · 4.625%
HK$7,047
+HK$353/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$13,388/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$6,660
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,867
−HK$211/mo
Today · 4.125%
HK$7,078
baseline
▲ 0.50% · 4.625%
HK$7,508
+HK$430/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$14,156/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$7,409
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,608
−HK$202/mo
Today · 4.125%
HK$7,810
baseline
▲ 0.50% · 4.625%
HK$8,221
+HK$411/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$15,620/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$8,563
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,829
−HK$271/mo
Today · 4.125%
HK$9,100
baseline
▲ 0.50% · 4.625%
HK$9,654
+HK$554/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,200/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$9,526
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,782
−HK$259/mo
Today · 4.125%
HK$10,041
baseline
▲ 0.50% · 4.625%
HK$10,570
+HK$529/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,082/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).