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$4,675
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,821
−HK$147/mo
Today · 4.125%
HK$4,968
baseline
▲ 0.50% · 4.625%
HK$5,271
+HK$303/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,936/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$5,201
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,341
−HK$141/mo
Today · 4.125%
HK$5,482
baseline
▲ 0.50% · 4.625%
HK$5,771
+HK$289/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,964/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$5,610
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,785
−HK$177/mo
Today · 4.125%
HK$5,962
baseline
▲ 0.50% · 4.625%
HK$6,325
+HK$363/mo
Deposit HK$820K · loan HK$1.23M · min. income ≈ HK$11,924/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,241
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,409
−HK$170/mo
Today · 4.125%
HK$6,579
baseline
▲ 0.50% · 4.625%
HK$6,925
+HK$346/mo
Deposit HK$820K · loan HK$1.23M · min. income ≈ HK$13,158/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,545
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,749
−HK$207/mo
Today · 4.125%
HK$6,956
baseline
▲ 0.50% · 4.625%
HK$7,379
+HK$423/mo
Deposit HK$615K · loan HK$1.44M · min. income ≈ HK$13,912/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,282
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,477
−HK$198/mo
Today · 4.125%
HK$7,675
baseline
▲ 0.50% · 4.625%
HK$8,080
+HK$405/mo
Deposit HK$615K · loan HK$1.44M · min. income ≈ HK$15,350/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,415
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,677
−HK$266/mo
Today · 4.125%
HK$8,943
baseline
▲ 0.50% · 4.625%
HK$9,487
+HK$544/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$17,886/mo (50% DSR)
Upfront cash ≈ HK$205K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,362
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,613
−HK$255/mo
Today · 4.125%
HK$9,868
baseline
▲ 0.50% · 4.625%
HK$10,388
+HK$520/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$19,736/mo (50% DSR)
Upfront cash ≈ HK$205K (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).