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$4,801
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,950
−HK$152/mo
Today · 4.125%
HK$5,102
baseline
▲ 0.50% · 4.625%
HK$5,412
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,204/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$5,341
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,484
−HK$145/mo
Today · 4.125%
HK$5,629
baseline
▲ 0.50% · 4.625%
HK$5,926
+HK$297/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,258/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$5,761
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,940
−HK$182/mo
Today · 4.125%
HK$6,122
baseline
▲ 0.50% · 4.625%
HK$6,495
+HK$373/mo
Deposit HK$842K · loan HK$1.26M · min. income ≈ HK$12,244/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,409
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,581
−HK$174/mo
Today · 4.125%
HK$6,755
baseline
▲ 0.50% · 4.625%
HK$7,111
+HK$356/mo
Deposit HK$842K · loan HK$1.26M · min. income ≈ HK$13,510/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,721
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,930
−HK$212/mo
Today · 4.125%
HK$7,142
baseline
▲ 0.50% · 4.625%
HK$7,577
+HK$435/mo
Deposit HK$632K · loan HK$1.47M · min. income ≈ HK$14,284/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$7,477
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,678
−HK$203/mo
Today · 4.125%
HK$7,881
baseline
▲ 0.50% · 4.625%
HK$8,296
+HK$415/mo
Deposit HK$632K · loan HK$1.47M · min. income ≈ HK$15,762/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$8,641
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,910
−HK$273/mo
Today · 4.125%
HK$9,183
baseline
▲ 0.50% · 4.625%
HK$9,742
+HK$559/mo
Deposit HK$211K · loan HK$1.89M · min. income ≈ HK$18,366/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$9,613
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,871
−HK$262/mo
Today · 4.125%
HK$10,133
baseline
▲ 0.50% · 4.625%
HK$10,667
+HK$534/mo
Deposit HK$211K · loan HK$1.89M · min. income ≈ HK$20,266/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).