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$4,781
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,930
−HK$151/mo
Today · 4.125%
HK$5,081
baseline
▲ 0.50% · 4.625%
HK$5,390
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,162/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$5,319
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,462
−HK$144/mo
Today · 4.125%
HK$5,606
baseline
▲ 0.50% · 4.625%
HK$5,902
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,212/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$5,737
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,916
−HK$181/mo
Today · 4.125%
HK$6,097
baseline
▲ 0.50% · 4.625%
HK$6,468
+HK$371/mo
Deposit HK$839K · loan HK$1.26M · min. income ≈ HK$12,194/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,383
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,554
−HK$174/mo
Today · 4.125%
HK$6,728
baseline
▲ 0.50% · 4.625%
HK$7,082
+HK$354/mo
Deposit HK$839K · loan HK$1.26M · min. income ≈ HK$13,456/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,694
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,902
−HK$211/mo
Today · 4.125%
HK$7,113
baseline
▲ 0.50% · 4.625%
HK$7,546
+HK$433/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$14,226/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,447
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,646
−HK$203/mo
Today · 4.125%
HK$7,849
baseline
▲ 0.50% · 4.625%
HK$8,263
+HK$414/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$15,698/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,606
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,874
−HK$272/mo
Today · 4.125%
HK$9,146
baseline
▲ 0.50% · 4.625%
HK$9,702
+HK$556/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,292/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$9,574
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,831
−HK$261/mo
Today · 4.125%
HK$10,092
baseline
▲ 0.50% · 4.625%
HK$10,623
+HK$531/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,184/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).