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$4,717
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,864
−HK$149/mo
Today · 4.125%
HK$5,013
baseline
▲ 0.50% · 4.625%
HK$5,318
+HK$305/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,026/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$5,248
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,389
−HK$143/mo
Today · 4.125%
HK$5,532
baseline
▲ 0.50% · 4.625%
HK$5,823
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,064/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$5,661
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,837
−HK$179/mo
Today · 4.125%
HK$6,016
baseline
▲ 0.50% · 4.625%
HK$6,382
+HK$366/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$12,032/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,298
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,467
−HK$171/mo
Today · 4.125%
HK$6,638
baseline
▲ 0.50% · 4.625%
HK$6,988
+HK$350/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$13,276/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,604
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,810
−HK$208/mo
Today · 4.125%
HK$7,018
baseline
▲ 0.50% · 4.625%
HK$7,446
+HK$428/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$14,036/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,347
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,544
−HK$200/mo
Today · 4.125%
HK$7,744
baseline
▲ 0.50% · 4.625%
HK$8,152
+HK$408/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$15,488/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,491
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,755
−HK$269/mo
Today · 4.125%
HK$9,024
baseline
▲ 0.50% · 4.625%
HK$9,573
+HK$549/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,048/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$9,446
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,700
−HK$257/mo
Today · 4.125%
HK$9,957
baseline
▲ 0.50% · 4.625%
HK$10,482
+HK$525/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,914/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).