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$4,676
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,822
−HK$148/mo
Today · 4.125%
HK$4,970
baseline
▲ 0.50% · 4.625%
HK$5,272
+HK$302/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,940/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$5,202
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,342
−HK$141/mo
Today · 4.125%
HK$5,483
baseline
▲ 0.50% · 4.625%
HK$5,772
+HK$289/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,966/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$5,612
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,786
−HK$177/mo
Today · 4.125%
HK$5,963
baseline
▲ 0.50% · 4.625%
HK$6,326
+HK$363/mo
Deposit HK$820K · loan HK$1.23M · min. income ≈ HK$11,926/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$6,243
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,410
−HK$170/mo
Today · 4.125%
HK$6,580
baseline
▲ 0.50% · 4.625%
HK$6,927
+HK$347/mo
Deposit HK$820K · loan HK$1.23M · min. income ≈ HK$13,160/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$6,547
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,750
−HK$207/mo
Today · 4.125%
HK$6,957
baseline
▲ 0.50% · 4.625%
HK$7,381
+HK$424/mo
Deposit HK$615K · loan HK$1.44M · min. income ≈ HK$13,914/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$7,283
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,479
−HK$198/mo
Today · 4.125%
HK$7,677
baseline
▲ 0.50% · 4.625%
HK$8,081
+HK$404/mo
Deposit HK$615K · loan HK$1.44M · min. income ≈ HK$15,354/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$8,417
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,679
−HK$266/mo
Today · 4.125%
HK$8,945
baseline
▲ 0.50% · 4.625%
HK$9,490
+HK$545/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$17,890/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$9,364
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,615
−HK$255/mo
Today · 4.125%
HK$9,870
baseline
▲ 0.50% · 4.625%
HK$10,390
+HK$520/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$19,740/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).