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$4,745
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,892
−HK$150/mo
Today · 4.125%
HK$5,042
baseline
▲ 0.50% · 4.625%
HK$5,349
+HK$307/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$5,420
−HK$143/mo
Today · 4.125%
HK$5,563
baseline
▲ 0.50% · 4.625%
HK$5,857
+HK$294/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$358/mo
▼ 0.25% · 3.875%
HK$5,871
−HK$180/mo
Today · 4.125%
HK$6,051
baseline
▲ 0.50% · 4.625%
HK$6,419
+HK$368/mo
Deposit HK$832K · loan HK$1.25M · min. income ≈ HK$12,102/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$6,334
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,504
−HK$172/mo
Today · 4.125%
HK$6,676
baseline
▲ 0.50% · 4.625%
HK$7,028
+HK$352/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$417/mo
▼ 0.25% · 3.875%
HK$6,849
−HK$210/mo
Today · 4.125%
HK$7,059
baseline
▲ 0.50% · 4.625%
HK$7,488
+HK$429/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$14,118/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$7,390
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,588
−HK$201/mo
Today · 4.125%
HK$7,789
baseline
▲ 0.50% · 4.625%
HK$8,199
+HK$410/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$15,578/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$536/mo
▼ 0.25% · 3.875%
HK$8,806
−HK$270/mo
Today · 4.125%
HK$9,076
baseline
▲ 0.50% · 4.625%
HK$9,628
+HK$552/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,152/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$9,501
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,756
−HK$258/mo
Today · 4.125%
HK$10,014
baseline
▲ 0.50% · 4.625%
HK$10,542
+HK$528/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$20,028/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).