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$4,721
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,868
−HK$150/mo
Today · 4.125%
HK$5,018
baseline
▲ 0.50% · 4.625%
HK$5,323
+HK$305/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,036/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$5,253
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,393
−HK$143/mo
Today · 4.125%
HK$5,536
baseline
▲ 0.50% · 4.625%
HK$5,828
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,072/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$5,666
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,842
−HK$179/mo
Today · 4.125%
HK$6,021
baseline
▲ 0.50% · 4.625%
HK$6,387
+HK$366/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$12,042/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,303
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,472
−HK$172/mo
Today · 4.125%
HK$6,644
baseline
▲ 0.50% · 4.625%
HK$6,994
+HK$350/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$13,288/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,610
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,816
−HK$209/mo
Today · 4.125%
HK$7,025
baseline
▲ 0.50% · 4.625%
HK$7,452
+HK$427/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$14,050/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,354
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,551
−HK$200/mo
Today · 4.125%
HK$7,751
baseline
▲ 0.50% · 4.625%
HK$8,159
+HK$408/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$15,502/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,499
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,763
−HK$269/mo
Today · 4.125%
HK$9,032
baseline
▲ 0.50% · 4.625%
HK$9,581
+HK$549/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,064/mo (50% DSR)
Upfront cash ≈ HK$207K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,455
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,708
−HK$257/mo
Today · 4.125%
HK$9,965
baseline
▲ 0.50% · 4.625%
HK$10,491
+HK$526/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,930/mo (50% DSR)
Upfront cash ≈ HK$207K (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).