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$4,779
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,928
−HK$151/mo
Today · 4.125%
HK$5,079
baseline
▲ 0.50% · 4.625%
HK$5,388
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,158/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$5,317
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,459
−HK$145/mo
Today · 4.125%
HK$5,604
baseline
▲ 0.50% · 4.625%
HK$5,899
+HK$295/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,208/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$5,735
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,913
−HK$182/mo
Today · 4.125%
HK$6,095
baseline
▲ 0.50% · 4.625%
HK$6,466
+HK$371/mo
Deposit HK$838K · loan HK$1.26M · min. income ≈ HK$12,190/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,380
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,551
−HK$174/mo
Today · 4.125%
HK$6,725
baseline
▲ 0.50% · 4.625%
HK$7,079
+HK$354/mo
Deposit HK$838K · loan HK$1.26M · min. income ≈ HK$13,450/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,691
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,899
−HK$211/mo
Today · 4.125%
HK$7,110
baseline
▲ 0.50% · 4.625%
HK$7,543
+HK$433/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$14,220/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$7,444
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,643
−HK$203/mo
Today · 4.125%
HK$7,846
baseline
▲ 0.50% · 4.625%
HK$8,259
+HK$413/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$15,692/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$8,603
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,870
−HK$272/mo
Today · 4.125%
HK$9,142
baseline
▲ 0.50% · 4.625%
HK$9,698
+HK$556/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,284/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$9,570
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,827
−HK$260/mo
Today · 4.125%
HK$10,087
baseline
▲ 0.50% · 4.625%
HK$10,619
+HK$532/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,174/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).