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$4,681
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,827
−HK$148/mo
Today · 4.125%
HK$4,975
baseline
▲ 0.50% · 4.625%
HK$5,278
+HK$303/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,950/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$5,208
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,348
−HK$141/mo
Today · 4.125%
HK$5,489
baseline
▲ 0.50% · 4.625%
HK$5,779
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,978/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$5,618
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,793
−HK$177/mo
Today · 4.125%
HK$5,970
baseline
▲ 0.50% · 4.625%
HK$6,333
+HK$363/mo
Deposit HK$821K · loan HK$1.23M · min. income ≈ HK$11,940/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,250
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,417
−HK$170/mo
Today · 4.125%
HK$6,587
baseline
▲ 0.50% · 4.625%
HK$6,935
+HK$348/mo
Deposit HK$821K · loan HK$1.23M · min. income ≈ HK$13,174/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,554
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,758
−HK$207/mo
Today · 4.125%
HK$6,965
baseline
▲ 0.50% · 4.625%
HK$7,389
+HK$424/mo
Deposit HK$616K · loan HK$1.44M · min. income ≈ HK$13,930/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,291
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,487
−HK$198/mo
Today · 4.125%
HK$7,685
baseline
▲ 0.50% · 4.625%
HK$8,090
+HK$405/mo
Deposit HK$616K · loan HK$1.44M · min. income ≈ HK$15,370/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,427
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,689
−HK$266/mo
Today · 4.125%
HK$8,955
baseline
▲ 0.50% · 4.625%
HK$9,500
+HK$545/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$17,910/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$9,375
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,626
−HK$255/mo
Today · 4.125%
HK$9,881
baseline
▲ 0.50% · 4.625%
HK$10,402
+HK$521/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$19,762/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).