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$4,695
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,841
−HK$149/mo
Today · 4.125%
HK$4,990
baseline
▲ 0.50% · 4.625%
HK$5,293
+HK$303/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,980/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$5,223
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,364
−HK$142/mo
Today · 4.125%
HK$5,506
baseline
▲ 0.50% · 4.625%
HK$5,796
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,012/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$5,634
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,810
−HK$178/mo
Today · 4.125%
HK$5,988
baseline
▲ 0.50% · 4.625%
HK$6,352
+HK$364/mo
Deposit HK$824K · loan HK$1.24M · min. income ≈ HK$11,976/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$6,268
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,436
−HK$171/mo
Today · 4.125%
HK$6,607
baseline
▲ 0.50% · 4.625%
HK$6,955
+HK$348/mo
Deposit HK$824K · loan HK$1.24M · min. income ≈ HK$13,214/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$6,573
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,778
−HK$208/mo
Today · 4.125%
HK$6,986
baseline
▲ 0.50% · 4.625%
HK$7,411
+HK$425/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$13,972/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$7,313
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,509
−HK$199/mo
Today · 4.125%
HK$7,708
baseline
▲ 0.50% · 4.625%
HK$8,114
+HK$406/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$15,416/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$8,452
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,714
−HK$268/mo
Today · 4.125%
HK$8,982
baseline
▲ 0.50% · 4.625%
HK$9,528
+HK$546/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,964/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$9,402
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,654
−HK$256/mo
Today · 4.125%
HK$9,910
baseline
▲ 0.50% · 4.625%
HK$10,433
+HK$523/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,820/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).