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$4,703
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,849
−HK$149/mo
Today · 4.125%
HK$4,998
baseline
▲ 0.50% · 4.625%
HK$5,302
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,996/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$5,232
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,372
−HK$142/mo
Today · 4.125%
HK$5,514
baseline
▲ 0.50% · 4.625%
HK$5,805
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,028/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$5,643
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,819
−HK$178/mo
Today · 4.125%
HK$5,997
baseline
▲ 0.50% · 4.625%
HK$6,362
+HK$365/mo
Deposit HK$825K · loan HK$1.24M · min. income ≈ HK$11,994/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$6,278
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,446
−HK$171/mo
Today · 4.125%
HK$6,617
baseline
▲ 0.50% · 4.625%
HK$6,966
+HK$349/mo
Deposit HK$825K · loan HK$1.24M · min. income ≈ HK$13,234/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$6,584
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,789
−HK$208/mo
Today · 4.125%
HK$6,997
baseline
▲ 0.50% · 4.625%
HK$7,422
+HK$425/mo
Deposit HK$619K · loan HK$1.44M · min. income ≈ HK$13,994/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,324
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,521
−HK$199/mo
Today · 4.125%
HK$7,720
baseline
▲ 0.50% · 4.625%
HK$8,127
+HK$407/mo
Deposit HK$619K · loan HK$1.44M · min. income ≈ HK$15,440/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,465
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,728
−HK$268/mo
Today · 4.125%
HK$8,996
baseline
▲ 0.50% · 4.625%
HK$9,543
+HK$547/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$17,992/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$9,417
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,670
−HK$256/mo
Today · 4.125%
HK$9,926
baseline
▲ 0.50% · 4.625%
HK$10,449
+HK$523/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$19,852/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).