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$4,685
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,831
−HK$148/mo
Today · 4.125%
HK$4,979
baseline
▲ 0.50% · 4.625%
HK$5,282
+HK$303/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,958/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$5,212
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,352
−HK$142/mo
Today · 4.125%
HK$5,494
baseline
▲ 0.50% · 4.625%
HK$5,784
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,988/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$5,622
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,797
−HK$178/mo
Today · 4.125%
HK$5,975
baseline
▲ 0.50% · 4.625%
HK$6,339
+HK$364/mo
Deposit HK$822K · loan HK$1.23M · min. income ≈ HK$11,950/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,255
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,423
−HK$170/mo
Today · 4.125%
HK$6,593
baseline
▲ 0.50% · 4.625%
HK$6,940
+HK$347/mo
Deposit HK$822K · loan HK$1.23M · min. income ≈ HK$13,186/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,559
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,763
−HK$208/mo
Today · 4.125%
HK$6,971
baseline
▲ 0.50% · 4.625%
HK$7,395
+HK$424/mo
Deposit HK$616K · loan HK$1.44M · min. income ≈ HK$13,942/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$7,297
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,493
−HK$199/mo
Today · 4.125%
HK$7,692
baseline
▲ 0.50% · 4.625%
HK$8,097
+HK$405/mo
Deposit HK$616K · loan HK$1.44M · min. income ≈ HK$15,384/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$8,434
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,696
−HK$266/mo
Today · 4.125%
HK$8,962
baseline
▲ 0.50% · 4.625%
HK$9,508
+HK$546/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$17,924/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$9,382
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,634
−HK$255/mo
Today · 4.125%
HK$9,889
baseline
▲ 0.50% · 4.625%
HK$10,410
+HK$521/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$19,778/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).