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$4,746
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,893
−HK$150/mo
Today · 4.125%
HK$5,043
baseline
▲ 0.50% · 4.625%
HK$5,350
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,086/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$5,280
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,421
−HK$144/mo
Today · 4.125%
HK$5,565
baseline
▲ 0.50% · 4.625%
HK$5,858
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,130/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$5,695
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,872
−HK$180/mo
Today · 4.125%
HK$6,052
baseline
▲ 0.50% · 4.625%
HK$6,420
+HK$368/mo
Deposit HK$833K · loan HK$1.25M · min. income ≈ HK$12,104/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$6,336
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,505
−HK$173/mo
Today · 4.125%
HK$6,678
baseline
▲ 0.50% · 4.625%
HK$7,030
+HK$352/mo
Deposit HK$833K · loan HK$1.25M · min. income ≈ HK$13,356/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$6,644
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,851
−HK$210/mo
Today · 4.125%
HK$7,061
baseline
▲ 0.50% · 4.625%
HK$7,490
+HK$429/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$14,122/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$7,392
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,590
−HK$201/mo
Today · 4.125%
HK$7,791
baseline
▲ 0.50% · 4.625%
HK$8,202
+HK$411/mo
Deposit HK$624K · loan HK$1.46M · min. income ≈ HK$15,582/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$8,542
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,808
−HK$270/mo
Today · 4.125%
HK$9,078
baseline
▲ 0.50% · 4.625%
HK$9,631
+HK$553/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,156/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$9,503
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,758
−HK$259/mo
Today · 4.125%
HK$10,017
baseline
▲ 0.50% · 4.625%
HK$10,545
+HK$528/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$20,034/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).