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$4,698
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,844
−HK$148/mo
Today · 4.125%
HK$4,992
baseline
▲ 0.50% · 4.625%
HK$5,296
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,984/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$5,226
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,366
−HK$142/mo
Today · 4.125%
HK$5,508
baseline
▲ 0.50% · 4.625%
HK$5,799
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,016/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$5,637
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,813
−HK$178/mo
Today · 4.125%
HK$5,991
baseline
▲ 0.50% · 4.625%
HK$6,355
+HK$364/mo
Deposit HK$824K · loan HK$1.24M · min. income ≈ HK$11,982/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,271
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,440
−HK$170/mo
Today · 4.125%
HK$6,610
baseline
▲ 0.50% · 4.625%
HK$6,959
+HK$349/mo
Deposit HK$824K · loan HK$1.24M · min. income ≈ HK$13,220/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,577
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,781
−HK$208/mo
Today · 4.125%
HK$6,989
baseline
▲ 0.50% · 4.625%
HK$7,414
+HK$425/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$13,978/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,317
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,513
−HK$199/mo
Today · 4.125%
HK$7,712
baseline
▲ 0.50% · 4.625%
HK$8,118
+HK$406/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$15,424/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,456
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,719
−HK$267/mo
Today · 4.125%
HK$8,986
baseline
▲ 0.50% · 4.625%
HK$9,533
+HK$547/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,972/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$9,407
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,659
−HK$256/mo
Today · 4.125%
HK$9,915
baseline
▲ 0.50% · 4.625%
HK$10,438
+HK$523/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,830/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).