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$4,720
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,867
−HK$149/mo
Today · 4.125%
HK$5,016
baseline
▲ 0.50% · 4.625%
HK$5,321
+HK$305/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,032/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$5,251
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,392
−HK$143/mo
Today · 4.125%
HK$5,535
baseline
▲ 0.50% · 4.625%
HK$5,826
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,070/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$5,664
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,840
−HK$179/mo
Today · 4.125%
HK$6,019
baseline
▲ 0.50% · 4.625%
HK$6,386
+HK$367/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$12,038/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$6,301
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,470
−HK$172/mo
Today · 4.125%
HK$6,642
baseline
▲ 0.50% · 4.625%
HK$6,992
+HK$350/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$13,284/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$6,608
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,814
−HK$208/mo
Today · 4.125%
HK$7,022
baseline
▲ 0.50% · 4.625%
HK$7,450
+HK$428/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$14,044/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$7,351
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,549
−HK$200/mo
Today · 4.125%
HK$7,749
baseline
▲ 0.50% · 4.625%
HK$8,157
+HK$408/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$15,498/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$8,496
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,760
−HK$269/mo
Today · 4.125%
HK$9,029
baseline
▲ 0.50% · 4.625%
HK$9,578
+HK$549/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,058/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$9,452
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,705
−HK$257/mo
Today · 4.125%
HK$9,962
baseline
▲ 0.50% · 4.625%
HK$10,488
+HK$526/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,924/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).