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$4,749
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,896
−HK$150/mo
Today · 4.125%
HK$5,046
baseline
▲ 0.50% · 4.625%
HK$5,353
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,092/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$5,283
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,424
−HK$144/mo
Today · 4.125%
HK$5,568
baseline
▲ 0.50% · 4.625%
HK$5,862
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,136/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$5,698
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,876
−HK$180/mo
Today · 4.125%
HK$6,056
baseline
▲ 0.50% · 4.625%
HK$6,424
+HK$368/mo
Deposit HK$833K · loan HK$1.25M · min. income ≈ HK$12,112/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,339
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,509
−HK$173/mo
Today · 4.125%
HK$6,682
baseline
▲ 0.50% · 4.625%
HK$7,034
+HK$352/mo
Deposit HK$833K · loan HK$1.25M · min. income ≈ HK$13,364/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,648
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,855
−HK$210/mo
Today · 4.125%
HK$7,065
baseline
▲ 0.50% · 4.625%
HK$7,495
+HK$430/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$14,130/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$7,396
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,594
−HK$202/mo
Today · 4.125%
HK$7,796
baseline
▲ 0.50% · 4.625%
HK$8,206
+HK$410/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$15,592/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$8,548
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,813
−HK$271/mo
Today · 4.125%
HK$9,084
baseline
▲ 0.50% · 4.625%
HK$9,636
+HK$552/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,168/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$9,509
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,764
−HK$259/mo
Today · 4.125%
HK$10,023
baseline
▲ 0.50% · 4.625%
HK$10,551
+HK$528/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$20,046/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).