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$4,694
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,840
−HK$148/mo
Today · 4.125%
HK$4,988
baseline
▲ 0.50% · 4.625%
HK$5,292
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,976/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$5,222
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,362
−HK$142/mo
Today · 4.125%
HK$5,504
baseline
▲ 0.50% · 4.625%
HK$5,794
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,008/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$5,633
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,808
−HK$178/mo
Today · 4.125%
HK$5,986
baseline
▲ 0.50% · 4.625%
HK$6,350
+HK$364/mo
Deposit HK$823K · loan HK$1.24M · min. income ≈ HK$11,972/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$6,266
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,434
−HK$171/mo
Today · 4.125%
HK$6,605
baseline
▲ 0.50% · 4.625%
HK$6,953
+HK$348/mo
Deposit HK$823K · loan HK$1.24M · min. income ≈ HK$13,210/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$6,571
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,776
−HK$207/mo
Today · 4.125%
HK$6,983
baseline
▲ 0.50% · 4.625%
HK$7,408
+HK$425/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$13,966/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$7,310
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,507
−HK$198/mo
Today · 4.125%
HK$7,705
baseline
▲ 0.50% · 4.625%
HK$8,112
+HK$407/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$15,410/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$8,449
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,712
−HK$267/mo
Today · 4.125%
HK$8,979
baseline
▲ 0.50% · 4.625%
HK$9,525
+HK$546/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,958/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$9,399
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,651
−HK$256/mo
Today · 4.125%
HK$9,907
baseline
▲ 0.50% · 4.625%
HK$10,429
+HK$522/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,814/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).