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$4,712
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,859
−HK$149/mo
Today · 4.125%
HK$5,008
baseline
▲ 0.50% · 4.625%
HK$5,312
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,016/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$5,242
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,383
−HK$142/mo
Today · 4.125%
HK$5,525
baseline
▲ 0.50% · 4.625%
HK$5,817
+HK$292/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,050/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$5,655
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,830
−HK$179/mo
Today · 4.125%
HK$6,009
baseline
▲ 0.50% · 4.625%
HK$6,375
+HK$366/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$12,018/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$6,291
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,459
−HK$171/mo
Today · 4.125%
HK$6,630
baseline
▲ 0.50% · 4.625%
HK$6,980
+HK$350/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$13,260/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$6,597
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,802
−HK$209/mo
Today · 4.125%
HK$7,011
baseline
▲ 0.50% · 4.625%
HK$7,437
+HK$426/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$14,022/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$7,339
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,536
−HK$200/mo
Today · 4.125%
HK$7,736
baseline
▲ 0.50% · 4.625%
HK$8,143
+HK$407/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$15,472/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$8,482
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,746
−HK$268/mo
Today · 4.125%
HK$9,014
baseline
▲ 0.50% · 4.625%
HK$9,562
+HK$548/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,028/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$9,436
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,689
−HK$257/mo
Today · 4.125%
HK$9,946
baseline
▲ 0.50% · 4.625%
HK$10,470
+HK$524/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,892/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).