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$4,721
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,867
−HK$150/mo
Today · 4.125%
HK$5,017
baseline
▲ 0.50% · 4.625%
HK$5,322
+HK$305/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,034/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,252
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,393
−HK$142/mo
Today · 4.125%
HK$5,535
baseline
▲ 0.50% · 4.625%
HK$5,827
+HK$292/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,070/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,665
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,841
−HK$179/mo
Today · 4.125%
HK$6,020
baseline
▲ 0.50% · 4.625%
HK$6,386
+HK$366/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$12,040/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$6,302
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,471
−HK$171/mo
Today · 4.125%
HK$6,642
baseline
▲ 0.50% · 4.625%
HK$6,993
+HK$351/mo
Deposit HK$828K · loan HK$1.24M · min. income ≈ HK$13,284/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$6,609
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,814
−HK$209/mo
Today · 4.125%
HK$7,023
baseline
▲ 0.50% · 4.625%
HK$7,451
+HK$428/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$14,046/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$7,352
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,550
−HK$200/mo
Today · 4.125%
HK$7,750
baseline
▲ 0.50% · 4.625%
HK$8,158
+HK$408/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$15,500/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$8,497
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,761
−HK$269/mo
Today · 4.125%
HK$9,030
baseline
▲ 0.50% · 4.625%
HK$9,579
+HK$549/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,060/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$9,453
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,707
−HK$257/mo
Today · 4.125%
HK$9,964
baseline
▲ 0.50% · 4.625%
HK$10,489
+HK$525/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,928/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).