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$4,790
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,939
−HK$152/mo
Today · 4.125%
HK$5,091
baseline
▲ 0.50% · 4.625%
HK$5,401
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,182/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$5,329
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,472
−HK$145/mo
Today · 4.125%
HK$5,617
baseline
▲ 0.50% · 4.625%
HK$5,913
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,234/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$5,749
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,927
−HK$182/mo
Today · 4.125%
HK$6,109
baseline
▲ 0.50% · 4.625%
HK$6,481
+HK$372/mo
Deposit HK$840K · loan HK$1.26M · min. income ≈ HK$12,218/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,395
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,567
−HK$174/mo
Today · 4.125%
HK$6,741
baseline
▲ 0.50% · 4.625%
HK$7,096
+HK$355/mo
Deposit HK$840K · loan HK$1.26M · min. income ≈ HK$13,482/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,707
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,915
−HK$212/mo
Today · 4.125%
HK$7,127
baseline
▲ 0.50% · 4.625%
HK$7,561
+HK$434/mo
Deposit HK$630K · loan HK$1.47M · min. income ≈ HK$14,254/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,461
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,661
−HK$203/mo
Today · 4.125%
HK$7,864
baseline
▲ 0.50% · 4.625%
HK$8,279
+HK$415/mo
Deposit HK$630K · loan HK$1.47M · min. income ≈ HK$15,728/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,623
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,891
−HK$273/mo
Today · 4.125%
HK$9,164
baseline
▲ 0.50% · 4.625%
HK$9,721
+HK$557/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,328/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$9,593
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,850
−HK$261/mo
Today · 4.125%
HK$10,111
baseline
▲ 0.50% · 4.625%
HK$10,644
+HK$533/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,222/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).