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$4,681
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,826
−HK$148/mo
Today · 4.125%
HK$4,974
baseline
▲ 0.50% · 4.625%
HK$5,277
+HK$303/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,948/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$5,207
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,347
−HK$142/mo
Today · 4.125%
HK$5,489
baseline
▲ 0.50% · 4.625%
HK$5,778
+HK$289/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,978/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$5,617
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,792
−HK$177/mo
Today · 4.125%
HK$5,969
baseline
▲ 0.50% · 4.625%
HK$6,332
+HK$363/mo
Deposit HK$821K · loan HK$1.23M · min. income ≈ HK$11,938/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,249
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,416
−HK$170/mo
Today · 4.125%
HK$6,586
baseline
▲ 0.50% · 4.625%
HK$6,934
+HK$348/mo
Deposit HK$821K · loan HK$1.23M · min. income ≈ HK$13,172/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,553
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,757
−HK$207/mo
Today · 4.125%
HK$6,964
baseline
▲ 0.50% · 4.625%
HK$7,388
+HK$424/mo
Deposit HK$616K · loan HK$1.44M · min. income ≈ HK$13,928/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,290
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,486
−HK$198/mo
Today · 4.125%
HK$7,684
baseline
▲ 0.50% · 4.625%
HK$8,089
+HK$405/mo
Deposit HK$616K · loan HK$1.44M · min. income ≈ HK$15,368/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,425
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,688
−HK$266/mo
Today · 4.125%
HK$8,954
baseline
▲ 0.50% · 4.625%
HK$9,499
+HK$545/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$17,908/mo (50% DSR)
Upfront cash ≈ HK$205K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,373
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,625
−HK$255/mo
Today · 4.125%
HK$9,880
baseline
▲ 0.50% · 4.625%
HK$10,400
+HK$520/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$19,760/mo (50% DSR)
Upfront cash ≈ HK$205K (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).