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$4,762
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,910
−HK$150/mo
Today · 4.125%
HK$5,060
baseline
▲ 0.50% · 4.625%
HK$5,368
+HK$308/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,120/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$5,297
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,439
−HK$145/mo
Today · 4.125%
HK$5,584
baseline
▲ 0.50% · 4.625%
HK$5,878
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,168/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$5,714
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,892
−HK$180/mo
Today · 4.125%
HK$6,072
baseline
▲ 0.50% · 4.625%
HK$6,442
+HK$370/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$12,144/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,357
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,527
−HK$173/mo
Today · 4.125%
HK$6,700
baseline
▲ 0.50% · 4.625%
HK$7,053
+HK$353/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$13,400/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,666
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,874
−HK$210/mo
Today · 4.125%
HK$7,084
baseline
▲ 0.50% · 4.625%
HK$7,516
+HK$432/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$14,168/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,416
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,615
−HK$202/mo
Today · 4.125%
HK$7,817
baseline
▲ 0.50% · 4.625%
HK$8,229
+HK$412/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$15,634/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,571
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,838
−HK$271/mo
Today · 4.125%
HK$9,109
baseline
▲ 0.50% · 4.625%
HK$9,663
+HK$554/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,218/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$9,535
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,791
−HK$259/mo
Today · 4.125%
HK$10,050
baseline
▲ 0.50% · 4.625%
HK$10,580
+HK$530/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,100/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).