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$4,728
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,875
−HK$150/mo
Today · 4.125%
HK$5,025
baseline
▲ 0.50% · 4.625%
HK$5,331
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,050/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$5,260
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,401
−HK$143/mo
Today · 4.125%
HK$5,544
baseline
▲ 0.50% · 4.625%
HK$5,837
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,088/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$5,674
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,851
−HK$179/mo
Today · 4.125%
HK$6,030
baseline
▲ 0.50% · 4.625%
HK$6,397
+HK$367/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$12,060/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,312
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,482
−HK$171/mo
Today · 4.125%
HK$6,653
baseline
▲ 0.50% · 4.625%
HK$7,004
+HK$351/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$13,306/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,620
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,826
−HK$209/mo
Today · 4.125%
HK$7,035
baseline
▲ 0.50% · 4.625%
HK$7,463
+HK$428/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$14,070/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$7,364
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,562
−HK$200/mo
Today · 4.125%
HK$7,762
baseline
▲ 0.50% · 4.625%
HK$8,171
+HK$409/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$15,524/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$8,511
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,776
−HK$269/mo
Today · 4.125%
HK$9,045
baseline
▲ 0.50% · 4.625%
HK$9,595
+HK$550/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$18,090/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$9,468
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,722
−HK$258/mo
Today · 4.125%
HK$9,980
baseline
▲ 0.50% · 4.625%
HK$10,506
+HK$526/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$19,960/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).