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$296/mo
▼ 0.25% · 3.875%
HK$4,872
−HK$149/mo
Today · 4.125%
HK$5,021
baseline
▲ 0.50% · 4.625%
HK$5,326
+HK$305/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,042/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$5,256
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,397
−HK$143/mo
Today · 4.125%
HK$5,540
baseline
▲ 0.50% · 4.625%
HK$5,832
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,080/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$355/mo
▼ 0.25% · 3.875%
HK$5,846
−HK$179/mo
Today · 4.125%
HK$6,025
baseline
▲ 0.50% · 4.625%
HK$6,392
+HK$367/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$12,050/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$6,307
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,477
−HK$171/mo
Today · 4.125%
HK$6,648
baseline
▲ 0.50% · 4.625%
HK$6,999
+HK$351/mo
Deposit HK$829K · loan HK$1.24M · min. income ≈ HK$13,296/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$414/mo
▼ 0.25% · 3.875%
HK$6,820
−HK$209/mo
Today · 4.125%
HK$7,029
baseline
▲ 0.50% · 4.625%
HK$7,457
+HK$428/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$14,058/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$7,359
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,556
−HK$200/mo
Today · 4.125%
HK$7,756
baseline
▲ 0.50% · 4.625%
HK$8,165
+HK$409/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$15,512/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$8,504
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,769
−HK$269/mo
Today · 4.125%
HK$9,038
baseline
▲ 0.50% · 4.625%
HK$9,588
+HK$550/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,076/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$9,461
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,715
−HK$257/mo
Today · 4.125%
HK$9,972
baseline
▲ 0.50% · 4.625%
HK$10,498
+HK$526/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,944/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).