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$4,737
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,884
−HK$150/mo
Today · 4.125%
HK$5,034
baseline
▲ 0.50% · 4.625%
HK$5,340
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,068/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$5,270
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,411
−HK$143/mo
Today · 4.125%
HK$5,554
baseline
▲ 0.50% · 4.625%
HK$5,847
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,108/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$5,684
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,861
−HK$180/mo
Today · 4.125%
HK$6,041
baseline
▲ 0.50% · 4.625%
HK$6,408
+HK$367/mo
Deposit HK$831K · loan HK$1.25M · min. income ≈ HK$12,082/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,324
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,493
−HK$172/mo
Today · 4.125%
HK$6,665
baseline
▲ 0.50% · 4.625%
HK$7,017
+HK$352/mo
Deposit HK$831K · loan HK$1.25M · min. income ≈ HK$13,330/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,632
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,838
−HK$209/mo
Today · 4.125%
HK$7,047
baseline
▲ 0.50% · 4.625%
HK$7,476
+HK$429/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$14,094/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,378
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,575
−HK$201/mo
Today · 4.125%
HK$7,776
baseline
▲ 0.50% · 4.625%
HK$8,186
+HK$410/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$15,552/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,526
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,791
−HK$270/mo
Today · 4.125%
HK$9,061
baseline
▲ 0.50% · 4.625%
HK$9,612
+HK$551/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,122/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$9,485
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,740
−HK$258/mo
Today · 4.125%
HK$9,998
baseline
▲ 0.50% · 4.625%
HK$10,525
+HK$527/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$19,996/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).