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$4,742
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,890
−HK$150/mo
Today · 4.125%
HK$5,040
baseline
▲ 0.50% · 4.625%
HK$5,346
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,080/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$5,276
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,417
−HK$144/mo
Today · 4.125%
HK$5,561
baseline
▲ 0.50% · 4.625%
HK$5,854
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,122/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$5,691
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,868
−HK$180/mo
Today · 4.125%
HK$6,048
baseline
▲ 0.50% · 4.625%
HK$6,416
+HK$368/mo
Deposit HK$832K · loan HK$1.25M · min. income ≈ HK$12,096/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$6,331
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,501
−HK$172/mo
Today · 4.125%
HK$6,673
baseline
▲ 0.50% · 4.625%
HK$7,025
+HK$352/mo
Deposit HK$832K · loan HK$1.25M · min. income ≈ HK$13,346/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$6,639
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,846
−HK$210/mo
Today · 4.125%
HK$7,056
baseline
▲ 0.50% · 4.625%
HK$7,485
+HK$429/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$14,112/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$7,386
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,584
−HK$201/mo
Today · 4.125%
HK$7,785
baseline
▲ 0.50% · 4.625%
HK$8,196
+HK$411/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$15,570/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$8,536
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,802
−HK$270/mo
Today · 4.125%
HK$9,072
baseline
▲ 0.50% · 4.625%
HK$9,624
+HK$552/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,144/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$9,497
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,751
−HK$259/mo
Today · 4.125%
HK$10,010
baseline
▲ 0.50% · 4.625%
HK$10,537
+HK$527/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$20,020/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).