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$4,713
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,860
−HK$149/mo
Today · 4.125%
HK$5,009
baseline
▲ 0.50% · 4.625%
HK$5,313
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,018/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$5,243
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,384
−HK$143/mo
Today · 4.125%
HK$5,527
baseline
▲ 0.50% · 4.625%
HK$5,818
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,054/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$5,656
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,832
−HK$178/mo
Today · 4.125%
HK$6,010
baseline
▲ 0.50% · 4.625%
HK$6,376
+HK$366/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$12,020/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$6,292
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,461
−HK$171/mo
Today · 4.125%
HK$6,632
baseline
▲ 0.50% · 4.625%
HK$6,981
+HK$349/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$13,264/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$6,598
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,804
−HK$208/mo
Today · 4.125%
HK$7,012
baseline
▲ 0.50% · 4.625%
HK$7,439
+HK$427/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$14,024/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$7,341
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,537
−HK$200/mo
Today · 4.125%
HK$7,737
baseline
▲ 0.50% · 4.625%
HK$8,145
+HK$408/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$15,474/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$8,484
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,747
−HK$269/mo
Today · 4.125%
HK$9,016
baseline
▲ 0.50% · 4.625%
HK$9,564
+HK$548/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,032/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$9,438
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,691
−HK$257/mo
Today · 4.125%
HK$9,948
baseline
▲ 0.50% · 4.625%
HK$10,472
+HK$524/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,896/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).