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$4,771
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,920
−HK$150/mo
Today · 4.125%
HK$5,070
baseline
▲ 0.50% · 4.625%
HK$5,379
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,140/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$5,308
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,450
−HK$145/mo
Today · 4.125%
HK$5,595
baseline
▲ 0.50% · 4.625%
HK$5,889
+HK$294/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,190/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$5,725
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,903
−HK$181/mo
Today · 4.125%
HK$6,084
baseline
▲ 0.50% · 4.625%
HK$6,455
+HK$371/mo
Deposit HK$837K · loan HK$1.26M · min. income ≈ HK$12,168/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$6,369
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,540
−HK$174/mo
Today · 4.125%
HK$6,714
baseline
▲ 0.50% · 4.625%
HK$7,067
+HK$353/mo
Deposit HK$837K · loan HK$1.26M · min. income ≈ HK$13,428/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$6,680
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,887
−HK$211/mo
Today · 4.125%
HK$7,098
baseline
▲ 0.50% · 4.625%
HK$7,530
+HK$432/mo
Deposit HK$628K · loan HK$1.46M · min. income ≈ HK$14,196/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$7,431
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,630
−HK$202/mo
Today · 4.125%
HK$7,832
baseline
▲ 0.50% · 4.625%
HK$8,245
+HK$413/mo
Deposit HK$628K · loan HK$1.46M · min. income ≈ HK$15,664/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$8,588
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,855
−HK$272/mo
Today · 4.125%
HK$9,127
baseline
▲ 0.50% · 4.625%
HK$9,682
+HK$555/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,254/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$9,554
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,810
−HK$260/mo
Today · 4.125%
HK$10,070
baseline
▲ 0.50% · 4.625%
HK$10,601
+HK$531/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,140/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).