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$4,717
−HK$295/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$284/mo
▼ 0.25% · 3.875%
HK$5,388
−HK$143/mo
Today · 4.125%
HK$5,531
baseline
▲ 0.50% · 4.625%
HK$5,822
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,062/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$5,660
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,836
−HK$179/mo
Today · 4.125%
HK$6,015
baseline
▲ 0.50% · 4.625%
HK$6,381
+HK$366/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$12,030/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$6,297
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,465
−HK$172/mo
Today · 4.125%
HK$6,637
baseline
▲ 0.50% · 4.625%
HK$6,987
+HK$350/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$13,274/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$6,809
−HK$208/mo
Today · 4.125%
HK$7,017
baseline
▲ 0.50% · 4.625%
HK$7,444
+HK$427/mo
Deposit HK$621K · 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$7,346
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,543
−HK$200/mo
Today · 4.125%
HK$7,743
baseline
▲ 0.50% · 4.625%
HK$8,151
+HK$408/mo
Deposit HK$621K · loan HK$1.45M · min. income ≈ HK$15,486/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$8,490
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,754
−HK$268/mo
Today · 4.125%
HK$9,022
baseline
▲ 0.50% · 4.625%
HK$9,571
+HK$549/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,044/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$9,445
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,698
−HK$257/mo
Today · 4.125%
HK$9,955
baseline
▲ 0.50% · 4.625%
HK$10,480
+HK$525/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,910/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).