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$4,714
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,861
−HK$149/mo
Today · 4.125%
HK$5,010
baseline
▲ 0.50% · 4.625%
HK$5,315
+HK$305/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,020/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$5,245
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,385
−HK$143/mo
Today · 4.125%
HK$5,528
baseline
▲ 0.50% · 4.625%
HK$5,820
+HK$292/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,056/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$5,657
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,833
−HK$179/mo
Today · 4.125%
HK$6,012
baseline
▲ 0.50% · 4.625%
HK$6,378
+HK$366/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$12,024/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,294
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,463
−HK$171/mo
Today · 4.125%
HK$6,634
baseline
▲ 0.50% · 4.625%
HK$6,983
+HK$349/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$13,268/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,600
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,806
−HK$208/mo
Today · 4.125%
HK$7,014
baseline
▲ 0.50% · 4.625%
HK$7,441
+HK$427/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$14,028/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,343
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,540
−HK$199/mo
Today · 4.125%
HK$7,739
baseline
▲ 0.50% · 4.625%
HK$8,147
+HK$408/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$15,478/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,486
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,750
−HK$268/mo
Today · 4.125%
HK$9,018
baseline
▲ 0.50% · 4.625%
HK$9,567
+HK$549/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,036/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$9,441
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,694
−HK$257/mo
Today · 4.125%
HK$9,951
baseline
▲ 0.50% · 4.625%
HK$10,475
+HK$524/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,902/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).