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$4,679
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,825
−HK$148/mo
Today · 4.125%
HK$4,973
baseline
▲ 0.50% · 4.625%
HK$5,275
+HK$302/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,946/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$5,206
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,345
−HK$142/mo
Today · 4.125%
HK$5,487
baseline
▲ 0.50% · 4.625%
HK$5,776
+HK$289/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,974/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$5,615
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,790
−HK$177/mo
Today · 4.125%
HK$5,967
baseline
▲ 0.50% · 4.625%
HK$6,330
+HK$363/mo
Deposit HK$821K · loan HK$1.23M · min. income ≈ HK$11,934/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$6,247
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,414
−HK$170/mo
Today · 4.125%
HK$6,584
baseline
▲ 0.50% · 4.625%
HK$6,931
+HK$347/mo
Deposit HK$821K · loan HK$1.23M · min. income ≈ HK$13,168/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$6,551
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,755
−HK$207/mo
Today · 4.125%
HK$6,962
baseline
▲ 0.50% · 4.625%
HK$7,385
+HK$423/mo
Deposit HK$616K · loan HK$1.44M · min. income ≈ HK$13,924/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$7,288
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,483
−HK$198/mo
Today · 4.125%
HK$7,681
baseline
▲ 0.50% · 4.625%
HK$8,086
+HK$405/mo
Deposit HK$616K · loan HK$1.44M · min. income ≈ HK$15,362/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$8,422
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,684
−HK$267/mo
Today · 4.125%
HK$8,951
baseline
▲ 0.50% · 4.625%
HK$9,495
+HK$544/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$17,902/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$9,370
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,621
−HK$255/mo
Today · 4.125%
HK$9,876
baseline
▲ 0.50% · 4.625%
HK$10,397
+HK$521/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$19,752/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).