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$4,687
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,832
−HK$148/mo
Today · 4.125%
HK$4,980
baseline
▲ 0.50% · 4.625%
HK$5,284
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,960/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$5,214
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,354
−HK$141/mo
Today · 4.125%
HK$5,495
baseline
▲ 0.50% · 4.625%
HK$5,785
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,990/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$5,624
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,799
−HK$178/mo
Today · 4.125%
HK$5,977
baseline
▲ 0.50% · 4.625%
HK$6,340
+HK$363/mo
Deposit HK$822K · loan HK$1.23M · min. income ≈ HK$11,954/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,257
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,424
−HK$171/mo
Today · 4.125%
HK$6,595
baseline
▲ 0.50% · 4.625%
HK$6,942
+HK$347/mo
Deposit HK$822K · loan HK$1.23M · min. income ≈ HK$13,190/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,561
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,765
−HK$208/mo
Today · 4.125%
HK$6,973
baseline
▲ 0.50% · 4.625%
HK$7,397
+HK$424/mo
Deposit HK$617K · loan HK$1.44M · min. income ≈ HK$13,946/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,299
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,495
−HK$199/mo
Today · 4.125%
HK$7,694
baseline
▲ 0.50% · 4.625%
HK$8,099
+HK$405/mo
Deposit HK$617K · loan HK$1.44M · min. income ≈ HK$15,388/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,436
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,698
−HK$267/mo
Today · 4.125%
HK$8,965
baseline
▲ 0.50% · 4.625%
HK$9,510
+HK$545/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,930/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$9,385
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,636
−HK$256/mo
Today · 4.125%
HK$9,892
baseline
▲ 0.50% · 4.625%
HK$10,413
+HK$521/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,784/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).