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$4,743
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,891
−HK$150/mo
Today · 4.125%
HK$5,041
baseline
▲ 0.50% · 4.625%
HK$5,347
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,082/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$5,277
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,418
−HK$144/mo
Today · 4.125%
HK$5,562
baseline
▲ 0.50% · 4.625%
HK$5,855
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,124/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$5,692
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,869
−HK$180/mo
Today · 4.125%
HK$6,049
baseline
▲ 0.50% · 4.625%
HK$6,417
+HK$368/mo
Deposit HK$832K · loan HK$1.25M · min. income ≈ HK$12,098/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,332
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,502
−HK$172/mo
Today · 4.125%
HK$6,674
baseline
▲ 0.50% · 4.625%
HK$7,026
+HK$352/mo
Deposit HK$832K · loan HK$1.25M · min. income ≈ HK$13,348/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,641
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,847
−HK$210/mo
Today · 4.125%
HK$7,057
baseline
▲ 0.50% · 4.625%
HK$7,486
+HK$429/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$14,114/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,388
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,586
−HK$201/mo
Today · 4.125%
HK$7,787
baseline
▲ 0.50% · 4.625%
HK$8,197
+HK$410/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$15,574/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,538
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,804
−HK$269/mo
Today · 4.125%
HK$9,073
baseline
▲ 0.50% · 4.625%
HK$9,625
+HK$552/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,146/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$9,498
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,753
−HK$259/mo
Today · 4.125%
HK$10,012
baseline
▲ 0.50% · 4.625%
HK$10,539
+HK$527/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$20,024/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).