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$4,772
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,921
−HK$150/mo
Today · 4.125%
HK$5,071
baseline
▲ 0.50% · 4.625%
HK$5,380
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,142/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$5,309
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,451
−HK$145/mo
Today · 4.125%
HK$5,596
baseline
▲ 0.50% · 4.625%
HK$5,891
+HK$295/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,192/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$5,726
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,905
−HK$181/mo
Today · 4.125%
HK$6,086
baseline
▲ 0.50% · 4.625%
HK$6,456
+HK$370/mo
Deposit HK$837K · loan HK$1.26M · min. income ≈ HK$12,172/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$6,371
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,542
−HK$173/mo
Today · 4.125%
HK$6,715
baseline
▲ 0.50% · 4.625%
HK$7,069
+HK$354/mo
Deposit HK$837K · loan HK$1.26M · min. income ≈ HK$13,430/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$6,681
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,889
−HK$211/mo
Today · 4.125%
HK$7,100
baseline
▲ 0.50% · 4.625%
HK$7,532
+HK$432/mo
Deposit HK$628K · loan HK$1.46M · min. income ≈ HK$14,200/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,432
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,632
−HK$202/mo
Today · 4.125%
HK$7,834
baseline
▲ 0.50% · 4.625%
HK$8,247
+HK$413/mo
Deposit HK$628K · loan HK$1.46M · min. income ≈ HK$15,668/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,590
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,857
−HK$271/mo
Today · 4.125%
HK$9,128
baseline
▲ 0.50% · 4.625%
HK$9,684
+HK$556/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,256/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$9,556
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,812
−HK$260/mo
Today · 4.125%
HK$10,072
baseline
▲ 0.50% · 4.625%
HK$10,603
+HK$531/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,144/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).