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$4,707
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,854
−HK$148/mo
Today · 4.125%
HK$5,002
baseline
▲ 0.50% · 4.625%
HK$5,307
+HK$305/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,004/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,237
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,377
−HK$143/mo
Today · 4.125%
HK$5,520
baseline
▲ 0.50% · 4.625%
HK$5,811
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,040/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,649
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,824
−HK$179/mo
Today · 4.125%
HK$6,003
baseline
▲ 0.50% · 4.625%
HK$6,368
+HK$365/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$12,006/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,284
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,453
−HK$170/mo
Today · 4.125%
HK$6,623
baseline
▲ 0.50% · 4.625%
HK$6,973
+HK$350/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$13,246/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,590
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,795
−HK$208/mo
Today · 4.125%
HK$7,003
baseline
▲ 0.50% · 4.625%
HK$7,429
+HK$426/mo
Deposit HK$619K · loan HK$1.45M · min. income ≈ HK$14,006/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,331
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,528
−HK$199/mo
Today · 4.125%
HK$7,727
baseline
▲ 0.50% · 4.625%
HK$8,135
+HK$408/mo
Deposit HK$619K · loan HK$1.45M · min. income ≈ HK$15,454/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,473
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,736
−HK$268/mo
Today · 4.125%
HK$9,004
baseline
▲ 0.50% · 4.625%
HK$9,552
+HK$548/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$18,008/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$9,426
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,679
−HK$256/mo
Today · 4.125%
HK$9,935
baseline
▲ 0.50% · 4.625%
HK$10,459
+HK$524/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$19,870/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).