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$4,724
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,871
−HK$149/mo
Today · 4.125%
HK$5,020
baseline
▲ 0.50% · 4.625%
HK$5,326
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,040/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$5,256
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,396
−HK$143/mo
Today · 4.125%
HK$5,539
baseline
▲ 0.50% · 4.625%
HK$5,831
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,078/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$5,669
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,845
−HK$179/mo
Today · 4.125%
HK$6,024
baseline
▲ 0.50% · 4.625%
HK$6,391
+HK$367/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$12,048/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$6,307
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,476
−HK$171/mo
Today · 4.125%
HK$6,647
baseline
▲ 0.50% · 4.625%
HK$6,998
+HK$351/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$13,294/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$6,614
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,819
−HK$209/mo
Today · 4.125%
HK$7,028
baseline
▲ 0.50% · 4.625%
HK$7,456
+HK$428/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$14,056/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$7,358
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,555
−HK$200/mo
Today · 4.125%
HK$7,755
baseline
▲ 0.50% · 4.625%
HK$8,164
+HK$409/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$15,510/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$8,503
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,768
−HK$269/mo
Today · 4.125%
HK$9,037
baseline
▲ 0.50% · 4.625%
HK$9,586
+HK$549/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,074/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$9,460
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,714
−HK$257/mo
Today · 4.125%
HK$9,971
baseline
▲ 0.50% · 4.625%
HK$10,497
+HK$526/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,942/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).