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$4,729
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,877
−HK$149/mo
Today · 4.125%
HK$5,026
baseline
▲ 0.50% · 4.625%
HK$5,332
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,052/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$5,261
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,403
−HK$143/mo
Today · 4.125%
HK$5,546
baseline
▲ 0.50% · 4.625%
HK$5,838
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,092/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$5,675
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,852
−HK$179/mo
Today · 4.125%
HK$6,031
baseline
▲ 0.50% · 4.625%
HK$6,398
+HK$367/mo
Deposit HK$830K · loan HK$1.24M · min. income ≈ HK$12,062/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,314
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,483
−HK$172/mo
Today · 4.125%
HK$6,655
baseline
▲ 0.50% · 4.625%
HK$7,006
+HK$351/mo
Deposit HK$830K · loan HK$1.24M · min. income ≈ HK$13,310/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,621
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,827
−HK$209/mo
Today · 4.125%
HK$7,036
baseline
▲ 0.50% · 4.625%
HK$7,465
+HK$429/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$14,072/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,366
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,564
−HK$200/mo
Today · 4.125%
HK$7,764
baseline
▲ 0.50% · 4.625%
HK$8,173
+HK$409/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$15,528/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,513
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,778
−HK$269/mo
Today · 4.125%
HK$9,047
baseline
▲ 0.50% · 4.625%
HK$9,597
+HK$550/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$18,094/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$9,471
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,725
−HK$257/mo
Today · 4.125%
HK$9,982
baseline
▲ 0.50% · 4.625%
HK$10,509
+HK$527/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$19,964/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).