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$4,750
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,898
−HK$150/mo
Today · 4.125%
HK$5,048
baseline
▲ 0.50% · 4.625%
HK$5,355
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,096/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$5,285
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,426
−HK$144/mo
Today · 4.125%
HK$5,570
baseline
▲ 0.50% · 4.625%
HK$5,864
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,140/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$5,700
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,878
−HK$180/mo
Today · 4.125%
HK$6,058
baseline
▲ 0.50% · 4.625%
HK$6,426
+HK$368/mo
Deposit HK$833K · loan HK$1.25M · min. income ≈ HK$12,116/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,341
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,512
−HK$172/mo
Today · 4.125%
HK$6,684
baseline
▲ 0.50% · 4.625%
HK$7,036
+HK$352/mo
Deposit HK$833K · loan HK$1.25M · min. income ≈ HK$13,368/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,650
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,857
−HK$210/mo
Today · 4.125%
HK$7,067
baseline
▲ 0.50% · 4.625%
HK$7,497
+HK$430/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$14,134/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$7,398
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,597
−HK$201/mo
Today · 4.125%
HK$7,798
baseline
▲ 0.50% · 4.625%
HK$8,209
+HK$411/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$15,596/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$8,550
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,816
−HK$271/mo
Today · 4.125%
HK$9,087
baseline
▲ 0.50% · 4.625%
HK$9,639
+HK$552/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,174/mo (50% DSR)
Upfront cash ≈ HK$208K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,512
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,767
−HK$259/mo
Today · 4.125%
HK$10,026
baseline
▲ 0.50% · 4.625%
HK$10,555
+HK$529/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$20,052/mo (50% DSR)
Upfront cash ≈ HK$208K (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).