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$4,768
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,917
−HK$150/mo
Today · 4.125%
HK$5,067
baseline
▲ 0.50% · 4.625%
HK$5,376
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,134/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$5,305
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,447
−HK$144/mo
Today · 4.125%
HK$5,591
baseline
▲ 0.50% · 4.625%
HK$5,886
+HK$295/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,182/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$5,722
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,900
−HK$181/mo
Today · 4.125%
HK$6,081
baseline
▲ 0.50% · 4.625%
HK$6,451
+HK$370/mo
Deposit HK$836K · loan HK$1.25M · min. income ≈ HK$12,162/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,366
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,536
−HK$174/mo
Today · 4.125%
HK$6,710
baseline
▲ 0.50% · 4.625%
HK$7,063
+HK$353/mo
Deposit HK$836K · loan HK$1.25M · min. income ≈ HK$13,420/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,676
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,883
−HK$211/mo
Today · 4.125%
HK$7,094
baseline
▲ 0.50% · 4.625%
HK$7,526
+HK$432/mo
Deposit HK$627K · loan HK$1.46M · min. income ≈ HK$14,188/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,427
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,626
−HK$202/mo
Today · 4.125%
HK$7,828
baseline
▲ 0.50% · 4.625%
HK$8,240
+HK$412/mo
Deposit HK$627K · loan HK$1.46M · min. income ≈ HK$15,656/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,583
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,850
−HK$271/mo
Today · 4.125%
HK$9,121
baseline
▲ 0.50% · 4.625%
HK$9,676
+HK$555/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,242/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$9,548
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,805
−HK$259/mo
Today · 4.125%
HK$10,064
baseline
▲ 0.50% · 4.625%
HK$10,595
+HK$531/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,128/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).