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$4,775
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,923
−HK$151/mo
Today · 4.125%
HK$5,074
baseline
▲ 0.50% · 4.625%
HK$5,383
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,148/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$5,312
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,454
−HK$145/mo
Today · 4.125%
HK$5,599
baseline
▲ 0.50% · 4.625%
HK$5,894
+HK$295/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,198/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$5,730
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,908
−HK$181/mo
Today · 4.125%
HK$6,089
baseline
▲ 0.50% · 4.625%
HK$6,460
+HK$371/mo
Deposit HK$838K · loan HK$1.26M · min. income ≈ HK$12,178/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$6,374
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,545
−HK$174/mo
Today · 4.125%
HK$6,719
baseline
▲ 0.50% · 4.625%
HK$7,073
+HK$354/mo
Deposit HK$838K · loan HK$1.26M · min. income ≈ HK$13,438/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$6,685
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,893
−HK$211/mo
Today · 4.125%
HK$7,104
baseline
▲ 0.50% · 4.625%
HK$7,536
+HK$432/mo
Deposit HK$628K · loan HK$1.47M · min. income ≈ HK$14,208/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,437
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,636
−HK$202/mo
Today · 4.125%
HK$7,838
baseline
▲ 0.50% · 4.625%
HK$8,252
+HK$414/mo
Deposit HK$628K · loan HK$1.47M · min. income ≈ HK$15,676/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,595
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,862
−HK$272/mo
Today · 4.125%
HK$9,134
baseline
▲ 0.50% · 4.625%
HK$9,689
+HK$555/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,268/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$9,561
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,818
−HK$260/mo
Today · 4.125%
HK$10,078
baseline
▲ 0.50% · 4.625%
HK$10,609
+HK$531/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,156/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).