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$4,724
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,870
−HK$150/mo
Today · 4.125%
HK$5,020
baseline
▲ 0.50% · 4.625%
HK$5,325
+HK$305/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,040/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$5,255
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,396
−HK$143/mo
Today · 4.125%
HK$5,539
baseline
▲ 0.50% · 4.625%
HK$5,831
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,078/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$5,668
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,845
−HK$179/mo
Today · 4.125%
HK$6,024
baseline
▲ 0.50% · 4.625%
HK$6,390
+HK$366/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$12,048/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,306
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,475
−HK$172/mo
Today · 4.125%
HK$6,647
baseline
▲ 0.50% · 4.625%
HK$6,997
+HK$350/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$13,294/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,613
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,819
−HK$209/mo
Today · 4.125%
HK$7,028
baseline
▲ 0.50% · 4.625%
HK$7,455
+HK$427/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$14,056/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,357
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,554
−HK$200/mo
Today · 4.125%
HK$7,754
baseline
▲ 0.50% · 4.625%
HK$8,163
+HK$409/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$15,508/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,502
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,767
−HK$268/mo
Today · 4.125%
HK$9,035
baseline
▲ 0.50% · 4.625%
HK$9,585
+HK$550/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,070/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$9,459
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,712
−HK$258/mo
Today · 4.125%
HK$9,970
baseline
▲ 0.50% · 4.625%
HK$10,495
+HK$525/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,940/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).