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$4,713
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,859
−HK$149/mo
Today · 4.125%
HK$5,008
baseline
▲ 0.50% · 4.625%
HK$5,313
+HK$305/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,016/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$5,243
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,384
−HK$142/mo
Today · 4.125%
HK$5,526
baseline
▲ 0.50% · 4.625%
HK$5,817
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,052/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$5,655
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,831
−HK$179/mo
Today · 4.125%
HK$6,010
baseline
▲ 0.50% · 4.625%
HK$6,376
+HK$366/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$12,020/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,291
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,460
−HK$171/mo
Today · 4.125%
HK$6,631
baseline
▲ 0.50% · 4.625%
HK$6,981
+HK$350/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$13,262/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,598
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,803
−HK$209/mo
Today · 4.125%
HK$7,012
baseline
▲ 0.50% · 4.625%
HK$7,438
+HK$426/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$14,024/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,340
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,537
−HK$200/mo
Today · 4.125%
HK$7,737
baseline
▲ 0.50% · 4.625%
HK$8,144
+HK$407/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$15,474/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,483
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,747
−HK$268/mo
Today · 4.125%
HK$9,015
baseline
▲ 0.50% · 4.625%
HK$9,563
+HK$548/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,030/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$9,437
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,690
−HK$257/mo
Today · 4.125%
HK$9,947
baseline
▲ 0.50% · 4.625%
HK$10,471
+HK$524/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,894/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).