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$4,711
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,858
−HK$148/mo
Today · 4.125%
HK$5,006
baseline
▲ 0.50% · 4.625%
HK$5,311
+HK$305/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,012/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,241
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,381
−HK$143/mo
Today · 4.125%
HK$5,524
baseline
▲ 0.50% · 4.625%
HK$5,815
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,048/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,653
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,829
−HK$179/mo
Today · 4.125%
HK$6,008
baseline
▲ 0.50% · 4.625%
HK$6,373
+HK$365/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$12,016/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,289
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,458
−HK$171/mo
Today · 4.125%
HK$6,629
baseline
▲ 0.50% · 4.625%
HK$6,978
+HK$349/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$13,258/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,595
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,801
−HK$208/mo
Today · 4.125%
HK$7,009
baseline
▲ 0.50% · 4.625%
HK$7,435
+HK$426/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$14,018/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,337
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,534
−HK$200/mo
Today · 4.125%
HK$7,734
baseline
▲ 0.50% · 4.625%
HK$8,141
+HK$407/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$15,468/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,480
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,744
−HK$268/mo
Today · 4.125%
HK$9,012
baseline
▲ 0.50% · 4.625%
HK$9,560
+HK$548/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,024/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$9,434
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,687
−HK$256/mo
Today · 4.125%
HK$9,943
baseline
▲ 0.50% · 4.625%
HK$10,467
+HK$524/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,886/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).