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$4,794
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,943
−HK$152/mo
Today · 4.125%
HK$5,095
baseline
▲ 0.50% · 4.625%
HK$5,405
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,190/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$5,333
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,476
−HK$145/mo
Today · 4.125%
HK$5,621
baseline
▲ 0.50% · 4.625%
HK$5,918
+HK$297/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$5,753
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,932
−HK$182/mo
Today · 4.125%
HK$6,114
baseline
▲ 0.50% · 4.625%
HK$6,486
+HK$372/mo
Deposit HK$841K · loan HK$1.26M · min. income ≈ HK$12,228/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$6,400
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,572
−HK$174/mo
Today · 4.125%
HK$6,746
baseline
▲ 0.50% · 4.625%
HK$7,101
+HK$355/mo
Deposit HK$841K · loan HK$1.26M · min. income ≈ HK$13,492/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$6,712
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,920
−HK$213/mo
Today · 4.125%
HK$7,133
baseline
▲ 0.50% · 4.625%
HK$7,567
+HK$434/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$14,266/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$7,467
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,667
−HK$203/mo
Today · 4.125%
HK$7,870
baseline
▲ 0.50% · 4.625%
HK$8,285
+HK$415/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$15,740/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$8,629
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,898
−HK$272/mo
Today · 4.125%
HK$9,170
baseline
▲ 0.50% · 4.625%
HK$9,728
+HK$558/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,340/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$9,600
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,857
−HK$262/mo
Today · 4.125%
HK$10,119
baseline
▲ 0.50% · 4.625%
HK$10,652
+HK$533/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,238/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).