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$4,734
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,881
−HK$150/mo
Today · 4.125%
HK$5,031
baseline
▲ 0.50% · 4.625%
HK$5,337
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,062/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$5,266
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,407
−HK$144/mo
Today · 4.125%
HK$5,551
baseline
▲ 0.50% · 4.625%
HK$5,843
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,102/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$5,680
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,857
−HK$180/mo
Today · 4.125%
HK$6,037
baseline
▲ 0.50% · 4.625%
HK$6,404
+HK$367/mo
Deposit HK$830K · loan HK$1.25M · min. income ≈ HK$12,074/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$6,319
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,489
−HK$172/mo
Today · 4.125%
HK$6,661
baseline
▲ 0.50% · 4.625%
HK$7,012
+HK$351/mo
Deposit HK$830K · loan HK$1.25M · min. income ≈ HK$13,322/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$6,627
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,833
−HK$210/mo
Today · 4.125%
HK$7,043
baseline
▲ 0.50% · 4.625%
HK$7,471
+HK$428/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$14,086/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$7,373
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,570
−HK$201/mo
Today · 4.125%
HK$7,771
baseline
▲ 0.50% · 4.625%
HK$8,181
+HK$410/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$15,542/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$8,521
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,786
−HK$269/mo
Today · 4.125%
HK$9,055
baseline
▲ 0.50% · 4.625%
HK$9,606
+HK$551/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,110/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$9,479
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,733
−HK$258/mo
Today · 4.125%
HK$9,991
baseline
▲ 0.50% · 4.625%
HK$10,518
+HK$527/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$19,982/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).