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$4,752
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,899
−HK$151/mo
Today · 4.125%
HK$5,050
baseline
▲ 0.50% · 4.625%
HK$5,357
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,100/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$5,286
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,428
−HK$144/mo
Today · 4.125%
HK$5,572
baseline
▲ 0.50% · 4.625%
HK$5,865
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,144/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$5,702
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,879
−HK$181/mo
Today · 4.125%
HK$6,060
baseline
▲ 0.50% · 4.625%
HK$6,428
+HK$368/mo
Deposit HK$834K · loan HK$1.25M · min. income ≈ HK$12,120/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$6,343
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,514
−HK$172/mo
Today · 4.125%
HK$6,686
baseline
▲ 0.50% · 4.625%
HK$7,039
+HK$353/mo
Deposit HK$834K · loan HK$1.25M · min. income ≈ HK$13,372/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$6,652
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,859
−HK$211/mo
Today · 4.125%
HK$7,070
baseline
▲ 0.50% · 4.625%
HK$7,500
+HK$430/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$14,140/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,401
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,599
−HK$202/mo
Today · 4.125%
HK$7,801
baseline
▲ 0.50% · 4.625%
HK$8,212
+HK$411/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$15,602/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,553
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,819
−HK$270/mo
Today · 4.125%
HK$9,089
baseline
▲ 0.50% · 4.625%
HK$9,642
+HK$553/mo
Deposit HK$208K · loan HK$1.88M · min. income ≈ HK$18,178/mo (50% DSR)
Upfront cash ≈ HK$208K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,515
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,770
−HK$259/mo
Today · 4.125%
HK$10,029
baseline
▲ 0.50% · 4.625%
HK$10,558
+HK$529/mo
Deposit HK$208K · loan HK$1.88M · min. income ≈ HK$20,058/mo (50% DSR)
Upfront cash ≈ HK$208K (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).