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$4,719
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,865
−HK$150/mo
Today · 4.125%
HK$5,015
baseline
▲ 0.50% · 4.625%
HK$5,320
+HK$305/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,030/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$284/mo
▼ 0.25% · 3.875%
HK$5,390
−HK$143/mo
Today · 4.125%
HK$5,533
baseline
▲ 0.50% · 4.625%
HK$5,825
+HK$292/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,066/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$5,662
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,839
−HK$178/mo
Today · 4.125%
HK$6,017
baseline
▲ 0.50% · 4.625%
HK$6,384
+HK$367/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$6,299
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,468
−HK$172/mo
Today · 4.125%
HK$6,640
baseline
▲ 0.50% · 4.625%
HK$6,990
+HK$350/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$13,280/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$6,606
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,812
−HK$208/mo
Today · 4.125%
HK$7,020
baseline
▲ 0.50% · 4.625%
HK$7,448
+HK$428/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$14,040/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$7,349
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,546
−HK$200/mo
Today · 4.125%
HK$7,746
baseline
▲ 0.50% · 4.625%
HK$8,155
+HK$409/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$15,492/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$8,494
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,758
−HK$268/mo
Today · 4.125%
HK$9,026
baseline
▲ 0.50% · 4.625%
HK$9,575
+HK$549/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,052/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$9,449
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,702
−HK$257/mo
Today · 4.125%
HK$9,959
baseline
▲ 0.50% · 4.625%
HK$10,484
+HK$525/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,918/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).