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$4,756
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,904
−HK$150/mo
Today · 4.125%
HK$5,054
baseline
▲ 0.50% · 4.625%
HK$5,362
+HK$308/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,108/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$5,291
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,433
−HK$144/mo
Today · 4.125%
HK$5,577
baseline
▲ 0.50% · 4.625%
HK$5,871
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,154/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$5,707
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,884
−HK$181/mo
Today · 4.125%
HK$6,065
baseline
▲ 0.50% · 4.625%
HK$6,434
+HK$369/mo
Deposit HK$834K · loan HK$1.25M · min. income ≈ HK$12,130/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,349
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,519
−HK$173/mo
Today · 4.125%
HK$6,692
baseline
▲ 0.50% · 4.625%
HK$7,045
+HK$353/mo
Deposit HK$834K · loan HK$1.25M · min. income ≈ HK$13,384/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,658
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,865
−HK$211/mo
Today · 4.125%
HK$7,076
baseline
▲ 0.50% · 4.625%
HK$7,506
+HK$430/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$14,152/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$7,407
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,606
−HK$201/mo
Today · 4.125%
HK$7,807
baseline
▲ 0.50% · 4.625%
HK$8,219
+HK$412/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$15,614/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$8,560
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,827
−HK$270/mo
Today · 4.125%
HK$9,097
baseline
▲ 0.50% · 4.625%
HK$9,651
+HK$554/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,194/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$9,523
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,779
−HK$259/mo
Today · 4.125%
HK$10,038
baseline
▲ 0.50% · 4.625%
HK$10,567
+HK$529/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,076/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).