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$4,727
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,874
−HK$150/mo
Today · 4.125%
HK$5,024
baseline
▲ 0.50% · 4.625%
HK$5,330
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,048/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$5,259
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,400
−HK$143/mo
Today · 4.125%
HK$5,543
baseline
▲ 0.50% · 4.625%
HK$5,836
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,086/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$5,673
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,849
−HK$180/mo
Today · 4.125%
HK$6,029
baseline
▲ 0.50% · 4.625%
HK$6,395
+HK$366/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$12,058/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$6,311
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,480
−HK$172/mo
Today · 4.125%
HK$6,652
baseline
▲ 0.50% · 4.625%
HK$7,003
+HK$351/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$13,304/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$6,618
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,824
−HK$209/mo
Today · 4.125%
HK$7,033
baseline
▲ 0.50% · 4.625%
HK$7,461
+HK$428/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$14,066/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$7,363
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,560
−HK$201/mo
Today · 4.125%
HK$7,761
baseline
▲ 0.50% · 4.625%
HK$8,170
+HK$409/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$15,522/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$8,509
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,774
−HK$269/mo
Today · 4.125%
HK$9,043
baseline
▲ 0.50% · 4.625%
HK$9,593
+HK$550/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$18,086/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$9,467
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,720
−HK$258/mo
Today · 4.125%
HK$9,978
baseline
▲ 0.50% · 4.625%
HK$10,504
+HK$526/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$19,956/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).