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$4,747
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,895
−HK$150/mo
Today · 4.125%
HK$5,045
baseline
▲ 0.50% · 4.625%
HK$5,352
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,090/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$5,281
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,423
−HK$143/mo
Today · 4.125%
HK$5,566
baseline
▲ 0.50% · 4.625%
HK$5,860
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,132/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$5,697
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,874
−HK$180/mo
Today · 4.125%
HK$6,054
baseline
▲ 0.50% · 4.625%
HK$6,422
+HK$368/mo
Deposit HK$833K · loan HK$1.25M · min. income ≈ HK$12,108/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$6,337
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,507
−HK$173/mo
Today · 4.125%
HK$6,680
baseline
▲ 0.50% · 4.625%
HK$7,032
+HK$352/mo
Deposit HK$833K · loan HK$1.25M · min. income ≈ HK$13,360/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$6,646
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,853
−HK$210/mo
Today · 4.125%
HK$7,063
baseline
▲ 0.50% · 4.625%
HK$7,492
+HK$429/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$14,126/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$7,394
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,592
−HK$201/mo
Today · 4.125%
HK$7,793
baseline
▲ 0.50% · 4.625%
HK$8,204
+HK$411/mo
Deposit HK$625K · loan HK$1.46M · min. income ≈ HK$15,586/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$8,545
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,811
−HK$270/mo
Today · 4.125%
HK$9,081
baseline
▲ 0.50% · 4.625%
HK$9,633
+HK$552/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,162/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$9,506
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,761
−HK$259/mo
Today · 4.125%
HK$10,020
baseline
▲ 0.50% · 4.625%
HK$10,548
+HK$528/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$20,040/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).