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$4,731
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,878
−HK$150/mo
Today · 4.125%
HK$5,028
baseline
▲ 0.50% · 4.625%
HK$5,334
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,056/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$5,263
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,405
−HK$143/mo
Today · 4.125%
HK$5,548
baseline
▲ 0.50% · 4.625%
HK$5,840
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,096/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$5,677
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,854
−HK$179/mo
Today · 4.125%
HK$6,033
baseline
▲ 0.50% · 4.625%
HK$6,401
+HK$368/mo
Deposit HK$830K · loan HK$1.24M · min. income ≈ HK$12,066/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,316
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,485
−HK$172/mo
Today · 4.125%
HK$6,657
baseline
▲ 0.50% · 4.625%
HK$7,008
+HK$351/mo
Deposit HK$830K · loan HK$1.24M · min. income ≈ HK$13,314/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,624
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,830
−HK$209/mo
Today · 4.125%
HK$7,039
baseline
▲ 0.50% · 4.625%
HK$7,467
+HK$428/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$14,078/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$7,369
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,566
−HK$201/mo
Today · 4.125%
HK$7,767
baseline
▲ 0.50% · 4.625%
HK$8,176
+HK$409/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$15,534/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$8,516
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,781
−HK$269/mo
Today · 4.125%
HK$9,050
baseline
▲ 0.50% · 4.625%
HK$9,601
+HK$551/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$18,100/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$9,474
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,728
−HK$258/mo
Today · 4.125%
HK$9,986
baseline
▲ 0.50% · 4.625%
HK$10,512
+HK$526/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$19,972/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).