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$4,751
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,899
−HK$150/mo
Today · 4.125%
HK$5,049
baseline
▲ 0.50% · 4.625%
HK$5,356
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,098/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$5,286
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,427
−HK$144/mo
Today · 4.125%
HK$5,571
baseline
▲ 0.50% · 4.625%
HK$5,865
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,142/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$5,701
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,879
−HK$180/mo
Today · 4.125%
HK$6,059
baseline
▲ 0.50% · 4.625%
HK$6,428
+HK$369/mo
Deposit HK$833K · loan HK$1.25M · min. income ≈ HK$12,118/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,343
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,513
−HK$172/mo
Today · 4.125%
HK$6,685
baseline
▲ 0.50% · 4.625%
HK$7,038
+HK$353/mo
Deposit HK$833K · loan HK$1.25M · min. income ≈ HK$13,370/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,652
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,858
−HK$211/mo
Today · 4.125%
HK$7,069
baseline
▲ 0.50% · 4.625%
HK$7,499
+HK$430/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$14,138/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$7,400
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,598
−HK$202/mo
Today · 4.125%
HK$7,800
baseline
▲ 0.50% · 4.625%
HK$8,211
+HK$411/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$15,600/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$8,552
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,818
−HK$270/mo
Today · 4.125%
HK$9,088
baseline
▲ 0.50% · 4.625%
HK$9,641
+HK$553/mo
Deposit HK$208K · loan HK$1.88M · min. income ≈ HK$18,176/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$9,514
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,769
−HK$259/mo
Today · 4.125%
HK$10,028
baseline
▲ 0.50% · 4.625%
HK$10,557
+HK$529/mo
Deposit HK$208K · loan HK$1.88M · min. income ≈ HK$20,056/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).