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$4,722
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,869
−HK$149/mo
Today · 4.125%
HK$5,018
baseline
▲ 0.50% · 4.625%
HK$5,324
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,036/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$5,253
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,394
−HK$143/mo
Today · 4.125%
HK$5,537
baseline
▲ 0.50% · 4.625%
HK$5,829
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,074/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$5,666
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,843
−HK$179/mo
Today · 4.125%
HK$6,022
baseline
▲ 0.50% · 4.625%
HK$6,388
+HK$366/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$12,044/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$6,304
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,473
−HK$171/mo
Today · 4.125%
HK$6,644
baseline
▲ 0.50% · 4.625%
HK$6,995
+HK$351/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$13,288/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$6,611
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,817
−HK$208/mo
Today · 4.125%
HK$7,025
baseline
▲ 0.50% · 4.625%
HK$7,453
+HK$428/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$14,050/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$7,355
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,552
−HK$200/mo
Today · 4.125%
HK$7,752
baseline
▲ 0.50% · 4.625%
HK$8,161
+HK$409/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$15,504/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$8,500
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,764
−HK$269/mo
Today · 4.125%
HK$9,033
baseline
▲ 0.50% · 4.625%
HK$9,582
+HK$549/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,066/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$9,456
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,709
−HK$258/mo
Today · 4.125%
HK$9,967
baseline
▲ 0.50% · 4.625%
HK$10,492
+HK$525/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,934/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).