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$4,709
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,856
−HK$149/mo
Today · 4.125%
HK$5,005
baseline
▲ 0.50% · 4.625%
HK$5,309
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,010/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$5,239
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,380
−HK$142/mo
Today · 4.125%
HK$5,522
baseline
▲ 0.50% · 4.625%
HK$5,813
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,044/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$5,651
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,827
−HK$179/mo
Today · 4.125%
HK$6,006
baseline
▲ 0.50% · 4.625%
HK$6,371
+HK$365/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$12,012/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,287
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,456
−HK$171/mo
Today · 4.125%
HK$6,627
baseline
▲ 0.50% · 4.625%
HK$6,976
+HK$349/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$13,254/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,593
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,798
−HK$209/mo
Today · 4.125%
HK$7,007
baseline
▲ 0.50% · 4.625%
HK$7,433
+HK$426/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$14,014/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$7,335
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,532
−HK$199/mo
Today · 4.125%
HK$7,731
baseline
▲ 0.50% · 4.625%
HK$8,139
+HK$408/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$15,462/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$8,477
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,741
−HK$268/mo
Today · 4.125%
HK$9,009
baseline
▲ 0.50% · 4.625%
HK$9,557
+HK$548/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,018/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$9,431
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,683
−HK$257/mo
Today · 4.125%
HK$9,940
baseline
▲ 0.50% · 4.625%
HK$10,464
+HK$524/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,880/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).