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$4,692
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,838
−HK$148/mo
Today · 4.125%
HK$4,986
baseline
▲ 0.50% · 4.625%
HK$5,290
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,972/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$5,220
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,360
−HK$142/mo
Today · 4.125%
HK$5,502
baseline
▲ 0.50% · 4.625%
HK$5,792
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,004/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$5,630
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,805
−HK$178/mo
Today · 4.125%
HK$5,983
baseline
▲ 0.50% · 4.625%
HK$6,348
+HK$365/mo
Deposit HK$823K · loan HK$1.23M · min. income ≈ HK$11,966/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,264
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,432
−HK$170/mo
Today · 4.125%
HK$6,602
baseline
▲ 0.50% · 4.625%
HK$6,950
+HK$348/mo
Deposit HK$823K · loan HK$1.23M · min. income ≈ HK$13,204/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,569
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,773
−HK$208/mo
Today · 4.125%
HK$6,981
baseline
▲ 0.50% · 4.625%
HK$7,405
+HK$424/mo
Deposit HK$617K · loan HK$1.44M · min. income ≈ HK$13,962/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$7,308
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,504
−HK$198/mo
Today · 4.125%
HK$7,702
baseline
▲ 0.50% · 4.625%
HK$8,108
+HK$406/mo
Deposit HK$617K · loan HK$1.44M · min. income ≈ HK$15,404/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$8,446
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,708
−HK$267/mo
Today · 4.125%
HK$8,975
baseline
▲ 0.50% · 4.625%
HK$9,521
+HK$546/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,950/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$9,396
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,648
−HK$255/mo
Today · 4.125%
HK$9,903
baseline
▲ 0.50% · 4.625%
HK$10,425
+HK$522/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,806/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).