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$4,709
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,856
−HK$148/mo
Today · 4.125%
HK$5,004
baseline
▲ 0.50% · 4.625%
HK$5,309
+HK$305/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,008/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$5,239
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,379
−HK$143/mo
Today · 4.125%
HK$5,522
baseline
▲ 0.50% · 4.625%
HK$5,813
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,044/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$5,651
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,827
−HK$178/mo
Today · 4.125%
HK$6,005
baseline
▲ 0.50% · 4.625%
HK$6,371
+HK$366/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$12,010/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,287
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,455
−HK$171/mo
Today · 4.125%
HK$6,626
baseline
▲ 0.50% · 4.625%
HK$6,976
+HK$350/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$13,252/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,593
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,798
−HK$208/mo
Today · 4.125%
HK$7,006
baseline
▲ 0.50% · 4.625%
HK$7,433
+HK$427/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$14,012/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,334
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,531
−HK$200/mo
Today · 4.125%
HK$7,731
baseline
▲ 0.50% · 4.625%
HK$8,138
+HK$407/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$15,462/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,477
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,740
−HK$268/mo
Today · 4.125%
HK$9,008
baseline
▲ 0.50% · 4.625%
HK$9,556
+HK$548/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,016/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$9,430
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,683
−HK$257/mo
Today · 4.125%
HK$9,940
baseline
▲ 0.50% · 4.625%
HK$10,463
+HK$523/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,880/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).