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$4,722
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,869
−HK$150/mo
Today · 4.125%
HK$5,019
baseline
▲ 0.50% · 4.625%
HK$5,324
+HK$305/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,038/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$5,254
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,395
−HK$143/mo
Today · 4.125%
HK$5,538
baseline
▲ 0.50% · 4.625%
HK$5,829
+HK$291/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,076/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$5,667
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,843
−HK$179/mo
Today · 4.125%
HK$6,022
baseline
▲ 0.50% · 4.625%
HK$6,389
+HK$367/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$12,044/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,304
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,474
−HK$171/mo
Today · 4.125%
HK$6,645
baseline
▲ 0.50% · 4.625%
HK$6,995
+HK$350/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$13,290/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,611
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,817
−HK$209/mo
Today · 4.125%
HK$7,026
baseline
▲ 0.50% · 4.625%
HK$7,454
+HK$428/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$14,052/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$7,355
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,552
−HK$201/mo
Today · 4.125%
HK$7,753
baseline
▲ 0.50% · 4.625%
HK$8,161
+HK$408/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$15,506/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$8,500
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,765
−HK$268/mo
Today · 4.125%
HK$9,033
baseline
▲ 0.50% · 4.625%
HK$9,583
+HK$550/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,066/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$9,457
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,710
−HK$258/mo
Today · 4.125%
HK$9,968
baseline
▲ 0.50% · 4.625%
HK$10,493
+HK$525/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,936/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).