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$4,735
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,883
−HK$149/mo
Today · 4.125%
HK$5,032
baseline
▲ 0.50% · 4.625%
HK$5,339
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,064/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$5,268
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,409
−HK$144/mo
Today · 4.125%
HK$5,553
baseline
▲ 0.50% · 4.625%
HK$5,845
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,106/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$5,682
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,859
−HK$180/mo
Today · 4.125%
HK$6,039
baseline
▲ 0.50% · 4.625%
HK$6,406
+HK$367/mo
Deposit HK$831K · loan HK$1.25M · min. income ≈ HK$12,078/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$6,322
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,491
−HK$172/mo
Today · 4.125%
HK$6,663
baseline
▲ 0.50% · 4.625%
HK$7,014
+HK$351/mo
Deposit HK$831K · loan HK$1.25M · min. income ≈ HK$13,326/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$6,630
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,836
−HK$209/mo
Today · 4.125%
HK$7,045
baseline
▲ 0.50% · 4.625%
HK$7,474
+HK$429/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$14,090/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$7,375
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,573
−HK$201/mo
Today · 4.125%
HK$7,774
baseline
▲ 0.50% · 4.625%
HK$8,183
+HK$409/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$15,548/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$8,524
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,789
−HK$269/mo
Today · 4.125%
HK$9,058
baseline
▲ 0.50% · 4.625%
HK$9,609
+HK$551/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,116/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$9,482
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,737
−HK$258/mo
Today · 4.125%
HK$9,995
baseline
▲ 0.50% · 4.625%
HK$10,522
+HK$527/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$19,990/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).