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$5,298
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,440
−HK$144/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$359/mo
▼ 0.25% · 3.875%
HK$5,892
−HK$181/mo
Today · 4.125%
HK$6,073
baseline
▲ 0.50% · 4.625%
HK$6,442
+HK$369/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$12,146/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$6,528
−HK$172/mo
Today · 4.125%
HK$6,700
baseline
▲ 0.50% · 4.625%
HK$7,054
+HK$354/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$6,667
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,874
−HK$211/mo
Today · 4.125%
HK$7,085
baseline
▲ 0.50% · 4.625%
HK$7,516
+HK$431/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$14,170/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$7,417
−HK$400/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$9,536
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,791
−HK$260/mo
Today · 4.125%
HK$10,051
baseline
▲ 0.50% · 4.625%
HK$10,581
+HK$530/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,102/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).