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$4,708
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,855
−HK$148/mo
Today · 4.125%
HK$5,003
baseline
▲ 0.50% · 4.625%
HK$5,308
+HK$305/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,006/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$5,238
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,378
−HK$143/mo
Today · 4.125%
HK$5,521
baseline
▲ 0.50% · 4.625%
HK$5,812
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,042/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$5,650
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,826
−HK$178/mo
Today · 4.125%
HK$6,004
baseline
▲ 0.50% · 4.625%
HK$6,369
+HK$365/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$12,008/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$6,285
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,454
−HK$171/mo
Today · 4.125%
HK$6,625
baseline
▲ 0.50% · 4.625%
HK$6,974
+HK$349/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$13,250/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$6,591
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,796
−HK$209/mo
Today · 4.125%
HK$7,005
baseline
▲ 0.50% · 4.625%
HK$7,431
+HK$426/mo
Deposit HK$619K · loan HK$1.45M · min. income ≈ HK$14,010/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$7,333
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,530
−HK$199/mo
Today · 4.125%
HK$7,729
baseline
▲ 0.50% · 4.625%
HK$8,136
+HK$407/mo
Deposit HK$619K · loan HK$1.45M · min. income ≈ HK$15,458/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$8,475
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,738
−HK$268/mo
Today · 4.125%
HK$9,006
baseline
▲ 0.50% · 4.625%
HK$9,554
+HK$548/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$18,012/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$9,428
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,681
−HK$256/mo
Today · 4.125%
HK$9,937
baseline
▲ 0.50% · 4.625%
HK$10,461
+HK$524/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$19,874/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).