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$4,744
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,891
−HK$150/mo
Today · 4.125%
HK$5,041
baseline
▲ 0.50% · 4.625%
HK$5,348
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,082/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$5,277
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,419
−HK$143/mo
Today · 4.125%
HK$5,562
baseline
▲ 0.50% · 4.625%
HK$5,856
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,124/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$5,692
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,869
−HK$180/mo
Today · 4.125%
HK$6,049
baseline
▲ 0.50% · 4.625%
HK$6,417
+HK$368/mo
Deposit HK$832K · loan HK$1.25M · min. income ≈ HK$12,098/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,333
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,503
−HK$172/mo
Today · 4.125%
HK$6,675
baseline
▲ 0.50% · 4.625%
HK$7,027
+HK$352/mo
Deposit HK$832K · loan HK$1.25M · min. income ≈ HK$13,350/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,641
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,848
−HK$210/mo
Today · 4.125%
HK$7,058
baseline
▲ 0.50% · 4.625%
HK$7,487
+HK$429/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$14,116/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,388
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,586
−HK$201/mo
Today · 4.125%
HK$7,787
baseline
▲ 0.50% · 4.625%
HK$8,198
+HK$411/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$15,574/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,539
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,804
−HK$270/mo
Today · 4.125%
HK$9,074
baseline
▲ 0.50% · 4.625%
HK$9,626
+HK$552/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,148/mo (50% DSR)
Upfront cash ≈ HK$208K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,499
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,754
−HK$258/mo
Today · 4.125%
HK$10,012
baseline
▲ 0.50% · 4.625%
HK$10,540
+HK$528/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$20,024/mo (50% DSR)
Upfront cash ≈ HK$208K (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).