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$4,706
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,853
−HK$148/mo
Today · 4.125%
HK$5,001
baseline
▲ 0.50% · 4.625%
HK$5,306
+HK$305/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,002/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$5,236
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,376
−HK$142/mo
Today · 4.125%
HK$5,518
baseline
▲ 0.50% · 4.625%
HK$5,809
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,036/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$5,647
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,823
−HK$179/mo
Today · 4.125%
HK$6,002
baseline
▲ 0.50% · 4.625%
HK$6,367
+HK$365/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$12,004/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$6,283
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,451
−HK$171/mo
Today · 4.125%
HK$6,622
baseline
▲ 0.50% · 4.625%
HK$6,971
+HK$349/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$13,244/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$6,589
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,794
−HK$208/mo
Today · 4.125%
HK$7,002
baseline
▲ 0.50% · 4.625%
HK$7,428
+HK$426/mo
Deposit HK$619K · loan HK$1.44M · min. income ≈ HK$14,004/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,330
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,526
−HK$200/mo
Today · 4.125%
HK$7,726
baseline
▲ 0.50% · 4.625%
HK$8,133
+HK$407/mo
Deposit HK$619K · loan HK$1.44M · min. income ≈ HK$15,452/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,471
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,735
−HK$267/mo
Today · 4.125%
HK$9,002
baseline
▲ 0.50% · 4.625%
HK$9,550
+HK$548/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$18,004/mo (50% DSR)
Upfront cash ≈ HK$206K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,424
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,677
−HK$256/mo
Today · 4.125%
HK$9,933
baseline
▲ 0.50% · 4.625%
HK$10,457
+HK$524/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$19,866/mo (50% DSR)
Upfront cash ≈ HK$206K (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).