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$4,788
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,937
−HK$151/mo
Today · 4.125%
HK$5,088
baseline
▲ 0.50% · 4.625%
HK$5,398
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,176/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$5,327
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,469
−HK$145/mo
Today · 4.125%
HK$5,614
baseline
▲ 0.50% · 4.625%
HK$5,910
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,228/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$5,745
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,924
−HK$182/mo
Today · 4.125%
HK$6,106
baseline
▲ 0.50% · 4.625%
HK$6,477
+HK$371/mo
Deposit HK$840K · loan HK$1.26M · min. income ≈ HK$12,212/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,392
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,563
−HK$174/mo
Today · 4.125%
HK$6,737
baseline
▲ 0.50% · 4.625%
HK$7,092
+HK$355/mo
Deposit HK$840K · loan HK$1.26M · min. income ≈ HK$13,474/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,703
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,912
−HK$211/mo
Today · 4.125%
HK$7,123
baseline
▲ 0.50% · 4.625%
HK$7,557
+HK$434/mo
Deposit HK$630K · loan HK$1.47M · min. income ≈ HK$14,246/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,457
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,657
−HK$203/mo
Today · 4.125%
HK$7,860
baseline
▲ 0.50% · 4.625%
HK$8,274
+HK$414/mo
Deposit HK$630K · loan HK$1.47M · min. income ≈ HK$15,720/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,618
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,886
−HK$273/mo
Today · 4.125%
HK$9,159
baseline
▲ 0.50% · 4.625%
HK$9,716
+HK$557/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,318/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$9,588
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,845
−HK$261/mo
Today · 4.125%
HK$10,106
baseline
▲ 0.50% · 4.625%
HK$10,638
+HK$532/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,212/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).