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$4,806
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,956
−HK$152/mo
Today · 4.125%
HK$5,108
baseline
▲ 0.50% · 4.625%
HK$5,419
+HK$311/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,216/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$5,347
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,490
−HK$146/mo
Today · 4.125%
HK$5,636
baseline
▲ 0.50% · 4.625%
HK$5,933
+HK$297/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,272/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$5,768
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,947
−HK$182/mo
Today · 4.125%
HK$6,129
baseline
▲ 0.50% · 4.625%
HK$6,502
+HK$373/mo
Deposit HK$843K · loan HK$1.26M · min. income ≈ HK$12,258/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,416
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,589
−HK$174/mo
Today · 4.125%
HK$6,763
baseline
▲ 0.50% · 4.625%
HK$7,120
+HK$357/mo
Deposit HK$843K · loan HK$1.26M · min. income ≈ HK$13,526/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,729
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,938
−HK$213/mo
Today · 4.125%
HK$7,151
baseline
▲ 0.50% · 4.625%
HK$7,586
+HK$435/mo
Deposit HK$632K · loan HK$1.48M · min. income ≈ HK$14,302/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,486
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,687
−HK$203/mo
Today · 4.125%
HK$7,890
baseline
▲ 0.50% · 4.625%
HK$8,306
+HK$416/mo
Deposit HK$632K · loan HK$1.48M · min. income ≈ HK$15,780/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,652
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,921
−HK$273/mo
Today · 4.125%
HK$9,194
baseline
▲ 0.50% · 4.625%
HK$9,753
+HK$559/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,388/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$9,625
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,883
−HK$262/mo
Today · 4.125%
HK$10,145
baseline
▲ 0.50% · 4.625%
HK$10,679
+HK$534/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,290/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).