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$4,716
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,863
−HK$149/mo
Today · 4.125%
HK$5,012
baseline
▲ 0.50% · 4.625%
HK$5,317
+HK$305/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,024/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$5,247
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,387
−HK$143/mo
Today · 4.125%
HK$5,530
baseline
▲ 0.50% · 4.625%
HK$5,822
+HK$292/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,060/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$5,659
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,835
−HK$179/mo
Today · 4.125%
HK$6,014
baseline
▲ 0.50% · 4.625%
HK$6,380
+HK$366/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$12,028/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,296
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,465
−HK$171/mo
Today · 4.125%
HK$6,636
baseline
▲ 0.50% · 4.625%
HK$6,986
+HK$350/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$13,272/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,603
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,808
−HK$209/mo
Today · 4.125%
HK$7,017
baseline
▲ 0.50% · 4.625%
HK$7,444
+HK$427/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$14,034/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$7,345
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,542
−HK$200/mo
Today · 4.125%
HK$7,742
baseline
▲ 0.50% · 4.625%
HK$8,150
+HK$408/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$15,484/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$8,489
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,753
−HK$268/mo
Today · 4.125%
HK$9,021
baseline
▲ 0.50% · 4.625%
HK$9,570
+HK$549/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,042/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$9,444
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,697
−HK$257/mo
Today · 4.125%
HK$9,954
baseline
▲ 0.50% · 4.625%
HK$10,479
+HK$525/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,908/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).