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$4,738
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,885
−HK$150/mo
Today · 4.125%
HK$5,035
baseline
▲ 0.50% · 4.625%
HK$5,341
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,070/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$5,270
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,412
−HK$143/mo
Today · 4.125%
HK$5,555
baseline
▲ 0.50% · 4.625%
HK$5,848
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,110/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$5,685
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,862
−HK$180/mo
Today · 4.125%
HK$6,042
baseline
▲ 0.50% · 4.625%
HK$6,409
+HK$367/mo
Deposit HK$831K · loan HK$1.25M · min. income ≈ HK$12,084/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$6,325
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,494
−HK$172/mo
Today · 4.125%
HK$6,666
baseline
▲ 0.50% · 4.625%
HK$7,018
+HK$352/mo
Deposit HK$831K · loan HK$1.25M · min. income ≈ HK$13,332/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$6,633
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,839
−HK$209/mo
Today · 4.125%
HK$7,048
baseline
▲ 0.50% · 4.625%
HK$7,477
+HK$429/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$14,096/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$7,379
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,577
−HK$200/mo
Today · 4.125%
HK$7,777
baseline
▲ 0.50% · 4.625%
HK$8,187
+HK$410/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$15,554/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$8,528
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,793
−HK$269/mo
Today · 4.125%
HK$9,062
baseline
▲ 0.50% · 4.625%
HK$9,614
+HK$552/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,124/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$9,487
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,741
−HK$258/mo
Today · 4.125%
HK$9,999
baseline
▲ 0.50% · 4.625%
HK$10,526
+HK$527/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$19,998/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).