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$297/mo
▼ 0.25% · 3.875%
HK$4,880
−HK$150/mo
Today · 4.125%
HK$5,030
baseline
▲ 0.50% · 4.625%
HK$5,336
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,060/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$5,407
−HK$143/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$5,680
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,856
−HK$180/mo
Today · 4.125%
HK$6,036
baseline
▲ 0.50% · 4.625%
HK$6,403
+HK$367/mo
Deposit HK$830K · loan HK$1.25M · min. income ≈ HK$12,072/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$342/mo
▼ 0.25% · 3.875%
HK$6,488
−HK$172/mo
Today · 4.125%
HK$6,660
baseline
▲ 0.50% · 4.625%
HK$7,011
+HK$351/mo
Deposit HK$830K · loan HK$1.25M · min. income ≈ HK$13,320/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$416/mo
▼ 0.25% · 3.875%
HK$6,832
−HK$210/mo
Today · 4.125%
HK$7,042
baseline
▲ 0.50% · 4.625%
HK$7,470
+HK$428/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$14,084/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$7,372
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,569
−HK$201/mo
Today · 4.125%
HK$7,770
baseline
▲ 0.50% · 4.625%
HK$8,179
+HK$409/mo
Deposit HK$623K · loan HK$1.45M · min. income ≈ HK$15,540/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$535/mo
▼ 0.25% · 3.875%
HK$8,784
−HK$270/mo
Today · 4.125%
HK$9,054
baseline
▲ 0.50% · 4.625%
HK$9,604
+HK$550/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$18,108/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$9,478
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,732
−HK$258/mo
Today · 4.125%
HK$9,990
baseline
▲ 0.50% · 4.625%
HK$10,516
+HK$526/mo
Deposit HK$208K · loan HK$1.87M · min. income ≈ HK$19,980/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).