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$4,689
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,835
−HK$148/mo
Today · 4.125%
HK$4,983
baseline
▲ 0.50% · 4.625%
HK$5,287
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,966/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$5,217
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,357
−HK$142/mo
Today · 4.125%
HK$5,499
baseline
▲ 0.50% · 4.625%
HK$5,789
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,998/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$5,627
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,802
−HK$178/mo
Today · 4.125%
HK$5,980
baseline
▲ 0.50% · 4.625%
HK$6,344
+HK$364/mo
Deposit HK$823K · loan HK$1.23M · min. income ≈ HK$11,960/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$6,260
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,428
−HK$170/mo
Today · 4.125%
HK$6,598
baseline
▲ 0.50% · 4.625%
HK$6,946
+HK$348/mo
Deposit HK$823K · loan HK$1.23M · min. income ≈ HK$13,196/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$6,565
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,769
−HK$208/mo
Today · 4.125%
HK$6,977
baseline
▲ 0.50% · 4.625%
HK$7,401
+HK$424/mo
Deposit HK$617K · loan HK$1.44M · min. income ≈ HK$13,954/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$7,304
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,500
−HK$198/mo
Today · 4.125%
HK$7,698
baseline
▲ 0.50% · 4.625%
HK$8,104
+HK$406/mo
Deposit HK$617K · loan HK$1.44M · min. income ≈ HK$15,396/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$8,441
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,703
−HK$267/mo
Today · 4.125%
HK$8,970
baseline
▲ 0.50% · 4.625%
HK$9,516
+HK$546/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,940/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$9,390
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,642
−HK$256/mo
Today · 4.125%
HK$9,898
baseline
▲ 0.50% · 4.625%
HK$10,419
+HK$521/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,796/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).