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$4,748
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,895
−HK$150/mo
Today · 4.125%
HK$5,045
baseline
▲ 0.50% · 4.625%
HK$5,352
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,090/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$5,282
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,423
−HK$144/mo
Today · 4.125%
HK$5,567
baseline
▲ 0.50% · 4.625%
HK$5,860
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,134/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$5,697
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,874
−HK$180/mo
Today · 4.125%
HK$6,054
baseline
▲ 0.50% · 4.625%
HK$6,423
+HK$369/mo
Deposit HK$833K · loan HK$1.25M · min. income ≈ HK$12,108/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$6,338
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,508
−HK$172/mo
Today · 4.125%
HK$6,680
baseline
▲ 0.50% · 4.625%
HK$7,033
+HK$353/mo
Deposit HK$833K · loan HK$1.25M · min. income ≈ HK$13,360/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$6,647
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,853
−HK$210/mo
Today · 4.125%
HK$7,063
baseline
▲ 0.50% · 4.625%
HK$7,493
+HK$430/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$14,126/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$7,394
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,593
−HK$201/mo
Today · 4.125%
HK$7,794
baseline
▲ 0.50% · 4.625%
HK$8,205
+HK$411/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$15,588/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$8,546
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,811
−HK$271/mo
Today · 4.125%
HK$9,082
baseline
▲ 0.50% · 4.625%
HK$9,634
+HK$552/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,164/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$9,507
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,762
−HK$259/mo
Today · 4.125%
HK$10,021
baseline
▲ 0.50% · 4.625%
HK$10,549
+HK$528/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$20,042/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).