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$4,796
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,945
−HK$152/mo
Today · 4.125%
HK$5,097
baseline
▲ 0.50% · 4.625%
HK$5,407
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,194/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$5,336
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,479
−HK$145/mo
Today · 4.125%
HK$5,624
baseline
▲ 0.50% · 4.625%
HK$5,920
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,248/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$5,755
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,934
−HK$182/mo
Today · 4.125%
HK$6,116
baseline
▲ 0.50% · 4.625%
HK$6,488
+HK$372/mo
Deposit HK$841K · loan HK$1.26M · min. income ≈ HK$12,232/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$6,403
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,575
−HK$174/mo
Today · 4.125%
HK$6,749
baseline
▲ 0.50% · 4.625%
HK$7,104
+HK$355/mo
Deposit HK$841K · loan HK$1.26M · min. income ≈ HK$13,498/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$6,715
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,924
−HK$212/mo
Today · 4.125%
HK$7,136
baseline
▲ 0.50% · 4.625%
HK$7,570
+HK$434/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$14,272/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$7,470
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,670
−HK$204/mo
Today · 4.125%
HK$7,874
baseline
▲ 0.50% · 4.625%
HK$8,289
+HK$415/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$15,748/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$8,633
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,902
−HK$272/mo
Today · 4.125%
HK$9,174
baseline
▲ 0.50% · 4.625%
HK$9,733
+HK$559/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,348/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$9,604
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,862
−HK$261/mo
Today · 4.125%
HK$10,123
baseline
▲ 0.50% · 4.625%
HK$10,657
+HK$534/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,246/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).