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$4,809
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,959
−HK$152/mo
Today · 4.125%
HK$5,111
baseline
▲ 0.50% · 4.625%
HK$5,422
+HK$311/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,222/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$5,351
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,494
−HK$146/mo
Today · 4.125%
HK$5,640
baseline
▲ 0.50% · 4.625%
HK$5,937
+HK$297/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,280/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$5,771
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,951
−HK$182/mo
Today · 4.125%
HK$6,133
baseline
▲ 0.50% · 4.625%
HK$6,507
+HK$374/mo
Deposit HK$844K · loan HK$1.27M · min. income ≈ HK$12,266/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,421
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,593
−HK$174/mo
Today · 4.125%
HK$6,767
baseline
▲ 0.50% · 4.625%
HK$7,124
+HK$357/mo
Deposit HK$844K · loan HK$1.27M · min. income ≈ HK$13,534/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,733
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,943
−HK$213/mo
Today · 4.125%
HK$7,156
baseline
▲ 0.50% · 4.625%
HK$7,591
+HK$435/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$14,312/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,491
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,692
−HK$203/mo
Today · 4.125%
HK$7,895
baseline
▲ 0.50% · 4.625%
HK$8,312
+HK$417/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$15,790/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,657
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,926
−HK$274/mo
Today · 4.125%
HK$9,200
baseline
▲ 0.50% · 4.625%
HK$9,760
+HK$560/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,400/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,631
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,889
−HK$262/mo
Today · 4.125%
HK$10,151
baseline
▲ 0.50% · 4.625%
HK$10,686
+HK$535/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,302/mo (50% DSR)
Upfront cash ≈ HK$211K (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).