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$4,726
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,873
−HK$149/mo
Today · 4.125%
HK$5,022
baseline
▲ 0.50% · 4.625%
HK$5,328
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,044/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$5,257
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,398
−HK$144/mo
Today · 4.125%
HK$5,542
baseline
▲ 0.50% · 4.625%
HK$5,834
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,084/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$5,671
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,847
−HK$180/mo
Today · 4.125%
HK$6,027
baseline
▲ 0.50% · 4.625%
HK$6,393
+HK$366/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$12,054/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$6,309
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,478
−HK$172/mo
Today · 4.125%
HK$6,650
baseline
▲ 0.50% · 4.625%
HK$7,000
+HK$350/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$13,300/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$6,616
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,822
−HK$209/mo
Today · 4.125%
HK$7,031
baseline
▲ 0.50% · 4.625%
HK$7,459
+HK$428/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$14,062/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,360
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,558
−HK$200/mo
Today · 4.125%
HK$7,758
baseline
▲ 0.50% · 4.625%
HK$8,167
+HK$409/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$15,516/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,507
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,771
−HK$269/mo
Today · 4.125%
HK$9,040
baseline
▲ 0.50% · 4.625%
HK$9,590
+HK$550/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$18,080/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$9,463
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,717
−HK$258/mo
Today · 4.125%
HK$9,975
baseline
▲ 0.50% · 4.625%
HK$10,501
+HK$526/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$19,950/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).