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$4,753
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,901
−HK$150/mo
Today · 4.125%
HK$5,051
baseline
▲ 0.50% · 4.625%
HK$5,359
+HK$308/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,102/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$5,288
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,430
−HK$144/mo
Today · 4.125%
HK$5,574
baseline
▲ 0.50% · 4.625%
HK$5,867
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,148/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$5,704
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,881
−HK$181/mo
Today · 4.125%
HK$6,062
baseline
▲ 0.50% · 4.625%
HK$6,430
+HK$368/mo
Deposit HK$834K · loan HK$1.25M · min. income ≈ HK$12,124/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,346
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,516
−HK$172/mo
Today · 4.125%
HK$6,688
baseline
▲ 0.50% · 4.625%
HK$7,041
+HK$353/mo
Deposit HK$834K · loan HK$1.25M · min. income ≈ HK$13,376/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,655
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,862
−HK$210/mo
Today · 4.125%
HK$7,072
baseline
▲ 0.50% · 4.625%
HK$7,502
+HK$430/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$14,144/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$7,403
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,602
−HK$201/mo
Today · 4.125%
HK$7,803
baseline
▲ 0.50% · 4.625%
HK$8,214
+HK$411/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$15,606/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$8,556
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,822
−HK$270/mo
Today · 4.125%
HK$9,092
baseline
▲ 0.50% · 4.625%
HK$9,646
+HK$554/mo
Deposit HK$208K · loan HK$1.88M · min. income ≈ HK$18,184/mo (50% DSR)
Upfront cash ≈ HK$209K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,518
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,774
−HK$259/mo
Today · 4.125%
HK$10,033
baseline
▲ 0.50% · 4.625%
HK$10,561
+HK$528/mo
Deposit HK$208K · loan HK$1.88M · min. income ≈ HK$20,066/mo (50% DSR)
Upfront cash ≈ HK$209K (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).