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$4,780
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,929
−HK$151/mo
Today · 4.125%
HK$5,080
baseline
▲ 0.50% · 4.625%
HK$5,389
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,160/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$5,318
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,460
−HK$145/mo
Today · 4.125%
HK$5,605
baseline
▲ 0.50% · 4.625%
HK$5,900
+HK$295/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,210/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$5,736
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,914
−HK$181/mo
Today · 4.125%
HK$6,095
baseline
▲ 0.50% · 4.625%
HK$6,466
+HK$371/mo
Deposit HK$838K · loan HK$1.26M · min. income ≈ HK$12,190/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,381
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,552
−HK$174/mo
Today · 4.125%
HK$6,726
baseline
▲ 0.50% · 4.625%
HK$7,080
+HK$354/mo
Deposit HK$838K · loan HK$1.26M · min. income ≈ HK$13,452/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,692
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,900
−HK$211/mo
Today · 4.125%
HK$7,111
baseline
▲ 0.50% · 4.625%
HK$7,544
+HK$433/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$14,222/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,445
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,644
−HK$203/mo
Today · 4.125%
HK$7,847
baseline
▲ 0.50% · 4.625%
HK$8,260
+HK$413/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$15,694/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,604
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,871
−HK$272/mo
Today · 4.125%
HK$9,143
baseline
▲ 0.50% · 4.625%
HK$9,700
+HK$557/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,286/mo (50% DSR)
Upfront cash ≈ HK$210K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,572
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,828
−HK$261/mo
Today · 4.125%
HK$10,089
baseline
▲ 0.50% · 4.625%
HK$10,620
+HK$531/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,178/mo (50% DSR)
Upfront cash ≈ HK$210K (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).