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$4,707
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,853
−HK$149/mo
Today · 4.125%
HK$5,002
baseline
▲ 0.50% · 4.625%
HK$5,306
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,004/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$5,236
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,377
−HK$142/mo
Today · 4.125%
HK$5,519
baseline
▲ 0.50% · 4.625%
HK$5,810
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,038/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$5,648
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,824
−HK$178/mo
Today · 4.125%
HK$6,002
baseline
▲ 0.50% · 4.625%
HK$6,367
+HK$365/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$12,004/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,283
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,452
−HK$171/mo
Today · 4.125%
HK$6,623
baseline
▲ 0.50% · 4.625%
HK$6,972
+HK$349/mo
Deposit HK$826K · loan HK$1.24M · min. income ≈ HK$13,246/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,589
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,794
−HK$209/mo
Today · 4.125%
HK$7,003
baseline
▲ 0.50% · 4.625%
HK$7,429
+HK$426/mo
Deposit HK$619K · loan HK$1.44M · min. income ≈ HK$14,006/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$7,331
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,527
−HK$200/mo
Today · 4.125%
HK$7,727
baseline
▲ 0.50% · 4.625%
HK$8,134
+HK$407/mo
Deposit HK$619K · loan HK$1.44M · min. income ≈ HK$15,454/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$8,472
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,736
−HK$267/mo
Today · 4.125%
HK$9,003
baseline
▲ 0.50% · 4.625%
HK$9,551
+HK$548/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$18,006/mo (50% DSR)
Upfront cash ≈ HK$207K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,425
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,678
−HK$256/mo
Today · 4.125%
HK$9,934
baseline
▲ 0.50% · 4.625%
HK$10,458
+HK$524/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$19,868/mo (50% DSR)
Upfront cash ≈ HK$207K (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).