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$4,697
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,843
−HK$148/mo
Today · 4.125%
HK$4,991
baseline
▲ 0.50% · 4.625%
HK$5,295
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,982/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$5,225
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,365
−HK$143/mo
Today · 4.125%
HK$5,508
baseline
▲ 0.50% · 4.625%
HK$5,798
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,016/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$5,636
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,812
−HK$178/mo
Today · 4.125%
HK$5,990
baseline
▲ 0.50% · 4.625%
HK$6,354
+HK$364/mo
Deposit HK$824K · loan HK$1.24M · min. income ≈ HK$11,980/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,270
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,439
−HK$170/mo
Today · 4.125%
HK$6,609
baseline
▲ 0.50% · 4.625%
HK$6,957
+HK$348/mo
Deposit HK$824K · loan HK$1.24M · min. income ≈ HK$13,218/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,576
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,780
−HK$208/mo
Today · 4.125%
HK$6,988
baseline
▲ 0.50% · 4.625%
HK$7,413
+HK$425/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$13,976/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,315
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,512
−HK$199/mo
Today · 4.125%
HK$7,711
baseline
▲ 0.50% · 4.625%
HK$8,117
+HK$406/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$15,422/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,454
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,717
−HK$268/mo
Today · 4.125%
HK$8,985
baseline
▲ 0.50% · 4.625%
HK$9,531
+HK$546/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,970/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$9,406
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,658
−HK$256/mo
Today · 4.125%
HK$9,914
baseline
▲ 0.50% · 4.625%
HK$10,436
+HK$522/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,828/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).