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$4,718
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,865
−HK$149/mo
Today · 4.125%
HK$5,014
baseline
▲ 0.50% · 4.625%
HK$5,319
+HK$305/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,028/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$5,249
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,389
−HK$143/mo
Today · 4.125%
HK$5,532
baseline
▲ 0.50% · 4.625%
HK$5,824
+HK$292/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,064/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$5,661
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,838
−HK$179/mo
Today · 4.125%
HK$6,017
baseline
▲ 0.50% · 4.625%
HK$6,383
+HK$366/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$12,034/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$6,298
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,467
−HK$172/mo
Today · 4.125%
HK$6,639
baseline
▲ 0.50% · 4.625%
HK$6,989
+HK$350/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$13,278/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$6,605
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,811
−HK$208/mo
Today · 4.125%
HK$7,019
baseline
▲ 0.50% · 4.625%
HK$7,446
+HK$427/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$14,038/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$7,348
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,545
−HK$200/mo
Today · 4.125%
HK$7,745
baseline
▲ 0.50% · 4.625%
HK$8,153
+HK$408/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$15,490/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$8,492
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,756
−HK$269/mo
Today · 4.125%
HK$9,025
baseline
▲ 0.50% · 4.625%
HK$9,574
+HK$549/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,050/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$9,448
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,701
−HK$257/mo
Today · 4.125%
HK$9,958
baseline
▲ 0.50% · 4.625%
HK$10,483
+HK$525/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,916/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).