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$298/mo
▼ 0.25% · 3.875%
HK$4,892
−HK$150/mo
Today · 4.125%
HK$5,042
baseline
▲ 0.50% · 4.625%
HK$5,348
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,084/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$5,278
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,419
−HK$144/mo
Today · 4.125%
HK$5,563
baseline
▲ 0.50% · 4.625%
HK$5,856
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,126/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$5,693
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,870
−HK$180/mo
Today · 4.125%
HK$6,050
baseline
▲ 0.50% · 4.625%
HK$6,418
+HK$368/mo
Deposit HK$832K · loan HK$1.25M · min. income ≈ HK$12,100/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$343/mo
▼ 0.25% · 3.875%
HK$6,503
−HK$173/mo
Today · 4.125%
HK$6,676
baseline
▲ 0.50% · 4.625%
HK$7,027
+HK$351/mo
Deposit HK$832K · loan HK$1.25M · min. income ≈ HK$13,352/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$6,642
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,848
−HK$210/mo
Today · 4.125%
HK$7,058
baseline
▲ 0.50% · 4.625%
HK$7,488
+HK$430/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$7,389
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,587
−HK$201/mo
Today · 4.125%
HK$7,788
baseline
▲ 0.50% · 4.625%
HK$8,199
+HK$411/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$15,576/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$8,540
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,805
−HK$270/mo
Today · 4.125%
HK$9,075
baseline
▲ 0.50% · 4.625%
HK$9,627
+HK$552/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,150/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$9,500
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,755
−HK$258/mo
Today · 4.125%
HK$10,013
baseline
▲ 0.50% · 4.625%
HK$10,541
+HK$528/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$20,026/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).