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$4,786
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,935
−HK$151/mo
Today · 4.125%
HK$5,086
baseline
▲ 0.50% · 4.625%
HK$5,396
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,172/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$5,324
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,467
−HK$145/mo
Today · 4.125%
HK$5,612
baseline
▲ 0.50% · 4.625%
HK$5,908
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,224/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$5,743
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,922
−HK$181/mo
Today · 4.125%
HK$6,103
baseline
▲ 0.50% · 4.625%
HK$6,475
+HK$372/mo
Deposit HK$840K · loan HK$1.26M · min. income ≈ HK$12,206/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$6,389
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,561
−HK$173/mo
Today · 4.125%
HK$6,734
baseline
▲ 0.50% · 4.625%
HK$7,089
+HK$355/mo
Deposit HK$840K · loan HK$1.26M · min. income ≈ HK$13,468/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$6,700
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,909
−HK$212/mo
Today · 4.125%
HK$7,121
baseline
▲ 0.50% · 4.625%
HK$7,554
+HK$433/mo
Deposit HK$630K · loan HK$1.47M · min. income ≈ HK$14,242/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$7,454
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,654
−HK$203/mo
Today · 4.125%
HK$7,857
baseline
▲ 0.50% · 4.625%
HK$8,271
+HK$414/mo
Deposit HK$630K · loan HK$1.47M · min. income ≈ HK$15,714/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$8,615
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,883
−HK$272/mo
Today · 4.125%
HK$9,155
baseline
▲ 0.50% · 4.625%
HK$9,712
+HK$557/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,310/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$9,584
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,841
−HK$261/mo
Today · 4.125%
HK$10,102
baseline
▲ 0.50% · 4.625%
HK$10,634
+HK$532/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,204/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).