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$4,700
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,846
−HK$149/mo
Today · 4.125%
HK$4,995
baseline
▲ 0.50% · 4.625%
HK$5,299
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,990/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$5,229
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,369
−HK$142/mo
Today · 4.125%
HK$5,511
baseline
▲ 0.50% · 4.625%
HK$5,802
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,022/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$5,640
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,816
−HK$178/mo
Today · 4.125%
HK$5,994
baseline
▲ 0.50% · 4.625%
HK$6,359
+HK$365/mo
Deposit HK$824K · loan HK$1.24M · min. income ≈ HK$11,988/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,275
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,443
−HK$171/mo
Today · 4.125%
HK$6,614
baseline
▲ 0.50% · 4.625%
HK$6,962
+HK$348/mo
Deposit HK$824K · loan HK$1.24M · min. income ≈ HK$13,228/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,580
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,785
−HK$208/mo
Today · 4.125%
HK$6,993
baseline
▲ 0.50% · 4.625%
HK$7,418
+HK$425/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$13,986/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$7,320
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,517
−HK$199/mo
Today · 4.125%
HK$7,716
baseline
▲ 0.50% · 4.625%
HK$8,123
+HK$407/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$15,432/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$8,460
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,723
−HK$268/mo
Today · 4.125%
HK$8,991
baseline
▲ 0.50% · 4.625%
HK$9,538
+HK$547/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$17,982/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$9,412
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,664
−HK$257/mo
Today · 4.125%
HK$9,921
baseline
▲ 0.50% · 4.625%
HK$10,443
+HK$522/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$19,842/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).