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$4,752
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,900
−HK$150/mo
Today · 4.125%
HK$5,050
baseline
▲ 0.50% · 4.625%
HK$5,358
+HK$308/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,100/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$5,287
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,429
−HK$144/mo
Today · 4.125%
HK$5,573
baseline
▲ 0.50% · 4.625%
HK$5,866
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,146/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$5,703
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,880
−HK$181/mo
Today · 4.125%
HK$6,061
baseline
▲ 0.50% · 4.625%
HK$6,429
+HK$368/mo
Deposit HK$834K · loan HK$1.25M · min. income ≈ HK$12,122/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,344
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,515
−HK$172/mo
Today · 4.125%
HK$6,687
baseline
▲ 0.50% · 4.625%
HK$7,040
+HK$353/mo
Deposit HK$834K · loan HK$1.25M · min. income ≈ HK$13,374/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,653
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,860
−HK$211/mo
Today · 4.125%
HK$7,071
baseline
▲ 0.50% · 4.625%
HK$7,501
+HK$430/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$14,142/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,402
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,600
−HK$202/mo
Today · 4.125%
HK$7,802
baseline
▲ 0.50% · 4.625%
HK$8,213
+HK$411/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$15,604/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,554
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,821
−HK$270/mo
Today · 4.125%
HK$9,091
baseline
▲ 0.50% · 4.625%
HK$9,644
+HK$553/mo
Deposit HK$208K · loan HK$1.88M · min. income ≈ HK$18,182/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$9,517
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,772
−HK$259/mo
Today · 4.125%
HK$10,031
baseline
▲ 0.50% · 4.625%
HK$10,560
+HK$529/mo
Deposit HK$208K · loan HK$1.88M · min. income ≈ HK$20,062/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).