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$4,688
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,833
−HK$149/mo
Today · 4.125%
HK$4,982
baseline
▲ 0.50% · 4.625%
HK$5,285
+HK$303/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,964/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$5,215
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,355
−HK$142/mo
Today · 4.125%
HK$5,497
baseline
▲ 0.50% · 4.625%
HK$5,786
+HK$289/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,994/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$5,625
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,800
−HK$178/mo
Today · 4.125%
HK$5,978
baseline
▲ 0.50% · 4.625%
HK$6,342
+HK$364/mo
Deposit HK$822K · loan HK$1.23M · min. income ≈ HK$11,956/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,258
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,426
−HK$170/mo
Today · 4.125%
HK$6,596
baseline
▲ 0.50% · 4.625%
HK$6,944
+HK$348/mo
Deposit HK$822K · loan HK$1.23M · min. income ≈ HK$13,192/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,563
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,767
−HK$207/mo
Today · 4.125%
HK$6,974
baseline
▲ 0.50% · 4.625%
HK$7,399
+HK$425/mo
Deposit HK$617K · loan HK$1.44M · min. income ≈ HK$13,948/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$7,301
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,497
−HK$198/mo
Today · 4.125%
HK$7,695
baseline
▲ 0.50% · 4.625%
HK$8,101
+HK$406/mo
Deposit HK$617K · loan HK$1.44M · min. income ≈ HK$15,390/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$8,438
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,700
−HK$267/mo
Today · 4.125%
HK$8,967
baseline
▲ 0.50% · 4.625%
HK$9,512
+HK$545/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,934/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$9,387
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,639
−HK$255/mo
Today · 4.125%
HK$9,894
baseline
▲ 0.50% · 4.625%
HK$10,415
+HK$521/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,788/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).