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$4,683
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,828
−HK$148/mo
Today · 4.125%
HK$4,976
baseline
▲ 0.50% · 4.625%
HK$5,279
+HK$303/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,952/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$5,210
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,349
−HK$142/mo
Today · 4.125%
HK$5,491
baseline
▲ 0.50% · 4.625%
HK$5,781
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,982/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$5,619
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,794
−HK$178/mo
Today · 4.125%
HK$5,972
baseline
▲ 0.50% · 4.625%
HK$6,335
+HK$363/mo
Deposit HK$821K · loan HK$1.23M · min. income ≈ HK$11,944/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$6,252
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,419
−HK$170/mo
Today · 4.125%
HK$6,589
baseline
▲ 0.50% · 4.625%
HK$6,937
+HK$348/mo
Deposit HK$821K · loan HK$1.23M · min. income ≈ HK$13,178/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$6,556
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,760
−HK$207/mo
Today · 4.125%
HK$6,967
baseline
▲ 0.50% · 4.625%
HK$7,391
+HK$424/mo
Deposit HK$616K · loan HK$1.44M · min. income ≈ HK$13,934/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$7,293
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,489
−HK$198/mo
Today · 4.125%
HK$7,687
baseline
▲ 0.50% · 4.625%
HK$8,093
+HK$406/mo
Deposit HK$616K · loan HK$1.44M · min. income ≈ HK$15,374/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$8,429
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,691
−HK$267/mo
Today · 4.125%
HK$8,958
baseline
▲ 0.50% · 4.625%
HK$9,503
+HK$545/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$17,916/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$9,377
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,629
−HK$255/mo
Today · 4.125%
HK$9,884
baseline
▲ 0.50% · 4.625%
HK$10,405
+HK$521/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$19,768/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).