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$4,710
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,857
−HK$149/mo
Today · 4.125%
HK$5,006
baseline
▲ 0.50% · 4.625%
HK$5,310
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,012/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$5,240
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,381
−HK$142/mo
Today · 4.125%
HK$5,523
baseline
▲ 0.50% · 4.625%
HK$5,814
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,046/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$5,652
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,828
−HK$179/mo
Today · 4.125%
HK$6,007
baseline
▲ 0.50% · 4.625%
HK$6,372
+HK$365/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$12,014/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$6,288
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,457
−HK$171/mo
Today · 4.125%
HK$6,628
baseline
▲ 0.50% · 4.625%
HK$6,977
+HK$349/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$13,256/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$6,595
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,800
−HK$208/mo
Today · 4.125%
HK$7,008
baseline
▲ 0.50% · 4.625%
HK$7,434
+HK$426/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$14,016/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$7,336
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,533
−HK$200/mo
Today · 4.125%
HK$7,733
baseline
▲ 0.50% · 4.625%
HK$8,140
+HK$407/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$15,466/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$8,479
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,742
−HK$268/mo
Today · 4.125%
HK$9,010
baseline
▲ 0.50% · 4.625%
HK$9,559
+HK$549/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,020/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$9,432
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,685
−HK$257/mo
Today · 4.125%
HK$9,942
baseline
▲ 0.50% · 4.625%
HK$10,466
+HK$524/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,884/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).