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$4,846
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,997
−HK$153/mo
Today · 4.125%
HK$5,150
baseline
▲ 0.50% · 4.625%
HK$5,463
+HK$313/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,300/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,391
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,536
−HK$147/mo
Today · 4.125%
HK$5,683
baseline
▲ 0.50% · 4.625%
HK$5,982
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,366/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,815
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,996
−HK$184/mo
Today · 4.125%
HK$6,180
baseline
▲ 0.50% · 4.625%
HK$6,556
+HK$376/mo
Deposit HK$850K · loan HK$1.28M · min. income ≈ HK$12,360/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,470
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,643
−HK$176/mo
Today · 4.125%
HK$6,819
baseline
▲ 0.50% · 4.625%
HK$7,179
+HK$360/mo
Deposit HK$850K · loan HK$1.28M · min. income ≈ HK$13,638/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,785
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,996
−HK$214/mo
Today · 4.125%
HK$7,210
baseline
▲ 0.50% · 4.625%
HK$7,649
+HK$439/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$14,420/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,548
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,750
−HK$206/mo
Today · 4.125%
HK$7,956
baseline
▲ 0.50% · 4.625%
HK$8,375
+HK$419/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$15,912/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,723
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,994
−HK$276/mo
Today · 4.125%
HK$9,270
baseline
▲ 0.50% · 4.625%
HK$9,834
+HK$564/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$18,540/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,704
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,965
−HK$264/mo
Today · 4.125%
HK$10,229
baseline
▲ 0.50% · 4.625%
HK$10,768
+HK$539/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$20,458/mo (50% DSR)
Upfront cash ≈ HK$213K (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).