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$4,733
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,880
−HK$149/mo
Today · 4.125%
HK$5,029
baseline
▲ 0.50% · 4.625%
HK$5,336
+HK$307/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,058/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$5,265
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,406
−HK$144/mo
Today · 4.125%
HK$5,550
baseline
▲ 0.50% · 4.625%
HK$5,842
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,100/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$5,679
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,856
−HK$179/mo
Today · 4.125%
HK$6,035
baseline
▲ 0.50% · 4.625%
HK$6,403
+HK$368/mo
Deposit HK$830K · loan HK$1.25M · min. income ≈ HK$12,070/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$6,318
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,488
−HK$171/mo
Today · 4.125%
HK$6,659
baseline
▲ 0.50% · 4.625%
HK$7,010
+HK$351/mo
Deposit HK$830K · loan HK$1.25M · min. income ≈ HK$13,318/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$6,626
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,832
−HK$209/mo
Today · 4.125%
HK$7,041
baseline
▲ 0.50% · 4.625%
HK$7,470
+HK$429/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$14,082/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$7,371
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,569
−HK$200/mo
Today · 4.125%
HK$7,769
baseline
▲ 0.50% · 4.625%
HK$8,179
+HK$410/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$15,538/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$8,519
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,784
−HK$269/mo
Today · 4.125%
HK$9,053
baseline
▲ 0.50% · 4.625%
HK$9,604
+HK$551/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,106/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$9,477
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,731
−HK$258/mo
Today · 4.125%
HK$9,989
baseline
▲ 0.50% · 4.625%
HK$10,516
+HK$527/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$19,978/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).