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$4,674
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,820
−HK$147/mo
Today · 4.125%
HK$4,967
baseline
▲ 0.50% · 4.625%
HK$5,270
+HK$303/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,934/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$5,200
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,340
−HK$141/mo
Today · 4.125%
HK$5,481
baseline
▲ 0.50% · 4.625%
HK$5,770
+HK$289/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,962/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$5,609
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,784
−HK$177/mo
Today · 4.125%
HK$5,961
baseline
▲ 0.50% · 4.625%
HK$6,324
+HK$363/mo
Deposit HK$820K · loan HK$1.23M · min. income ≈ HK$11,922/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$6,240
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,407
−HK$170/mo
Today · 4.125%
HK$6,577
baseline
▲ 0.50% · 4.625%
HK$6,924
+HK$347/mo
Deposit HK$820K · loan HK$1.23M · min. income ≈ HK$13,154/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$6,544
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,748
−HK$206/mo
Today · 4.125%
HK$6,954
baseline
▲ 0.50% · 4.625%
HK$7,378
+HK$424/mo
Deposit HK$615K · loan HK$1.43M · min. income ≈ HK$13,908/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$7,280
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,475
−HK$198/mo
Today · 4.125%
HK$7,673
baseline
▲ 0.50% · 4.625%
HK$8,078
+HK$405/mo
Deposit HK$615K · loan HK$1.43M · min. income ≈ HK$15,346/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$8,414
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,675
−HK$266/mo
Today · 4.125%
HK$8,941
baseline
▲ 0.50% · 4.625%
HK$9,485
+HK$544/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,882/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$9,360
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,611
−HK$255/mo
Today · 4.125%
HK$9,866
baseline
▲ 0.50% · 4.625%
HK$10,386
+HK$520/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,732/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).