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$4,789
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,938
−HK$151/mo
Today · 4.125%
HK$5,089
baseline
▲ 0.50% · 4.625%
HK$5,399
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,178/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$5,327
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,470
−HK$145/mo
Today · 4.125%
HK$5,615
baseline
▲ 0.50% · 4.625%
HK$5,911
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,230/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$5,746
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,925
−HK$182/mo
Today · 4.125%
HK$6,107
baseline
▲ 0.50% · 4.625%
HK$6,478
+HK$371/mo
Deposit HK$840K · loan HK$1.26M · min. income ≈ HK$12,214/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,393
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,564
−HK$174/mo
Today · 4.125%
HK$6,738
baseline
▲ 0.50% · 4.625%
HK$7,093
+HK$355/mo
Deposit HK$840K · loan HK$1.26M · min. income ≈ HK$13,476/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,704
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,913
−HK$212/mo
Today · 4.125%
HK$7,125
baseline
▲ 0.50% · 4.625%
HK$7,558
+HK$433/mo
Deposit HK$630K · loan HK$1.47M · min. income ≈ HK$14,250/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,458
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,658
−HK$203/mo
Today · 4.125%
HK$7,861
baseline
▲ 0.50% · 4.625%
HK$8,276
+HK$415/mo
Deposit HK$630K · loan HK$1.47M · min. income ≈ HK$15,722/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,620
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,888
−HK$272/mo
Today · 4.125%
HK$9,160
baseline
▲ 0.50% · 4.625%
HK$9,718
+HK$558/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,320/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$9,589
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,847
−HK$260/mo
Today · 4.125%
HK$10,107
baseline
▲ 0.50% · 4.625%
HK$10,640
+HK$533/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,214/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).