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$4,725
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,872
−HK$150/mo
Today · 4.125%
HK$5,022
baseline
▲ 0.50% · 4.625%
HK$5,327
+HK$305/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$284/mo
▼ 0.25% · 3.875%
HK$5,398
−HK$143/mo
Today · 4.125%
HK$5,541
baseline
▲ 0.50% · 4.625%
HK$5,833
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,082/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$5,670
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,847
−HK$179/mo
Today · 4.125%
HK$6,026
baseline
▲ 0.50% · 4.625%
HK$6,393
+HK$367/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$12,052/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$6,308
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,477
−HK$172/mo
Today · 4.125%
HK$6,649
baseline
▲ 0.50% · 4.625%
HK$6,999
+HK$350/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$13,298/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$6,615
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,821
−HK$209/mo
Today · 4.125%
HK$7,030
baseline
▲ 0.50% · 4.625%
HK$7,458
+HK$428/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$14,060/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$397/mo
▼ 0.25% · 3.875%
HK$7,557
−HK$200/mo
Today · 4.125%
HK$7,757
baseline
▲ 0.50% · 4.625%
HK$8,166
+HK$409/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$15,514/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$8,505
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,770
−HK$269/mo
Today · 4.125%
HK$9,039
baseline
▲ 0.50% · 4.625%
HK$9,589
+HK$550/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$18,078/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$9,462
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,716
−HK$257/mo
Today · 4.125%
HK$9,973
baseline
▲ 0.50% · 4.625%
HK$10,499
+HK$526/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$19,946/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).