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$4,695
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,841
−HK$148/mo
Today · 4.125%
HK$4,989
baseline
▲ 0.50% · 4.625%
HK$5,293
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,978/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$5,223
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,363
−HK$142/mo
Today · 4.125%
HK$5,505
baseline
▲ 0.50% · 4.625%
HK$5,796
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,010/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$5,634
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,809
−HK$178/mo
Today · 4.125%
HK$5,987
baseline
▲ 0.50% · 4.625%
HK$6,352
+HK$365/mo
Deposit HK$824K · loan HK$1.24M · min. income ≈ HK$11,974/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$6,268
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,436
−HK$170/mo
Today · 4.125%
HK$6,606
baseline
▲ 0.50% · 4.625%
HK$6,955
+HK$349/mo
Deposit HK$824K · loan HK$1.24M · min. income ≈ HK$13,212/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$6,573
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,777
−HK$208/mo
Today · 4.125%
HK$6,985
baseline
▲ 0.50% · 4.625%
HK$7,410
+HK$425/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$13,970/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$7,312
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,509
−HK$198/mo
Today · 4.125%
HK$7,707
baseline
▲ 0.50% · 4.625%
HK$8,114
+HK$407/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$15,414/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$8,451
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,714
−HK$267/mo
Today · 4.125%
HK$8,981
baseline
▲ 0.50% · 4.625%
HK$9,527
+HK$546/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,962/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$9,402
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,654
−HK$256/mo
Today · 4.125%
HK$9,910
baseline
▲ 0.50% · 4.625%
HK$10,432
+HK$522/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,820/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).