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$4,686
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,832
−HK$148/mo
Today · 4.125%
HK$4,980
baseline
▲ 0.50% · 4.625%
HK$5,283
+HK$303/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,960/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$5,213
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,353
−HK$142/mo
Today · 4.125%
HK$5,495
baseline
▲ 0.50% · 4.625%
HK$5,784
+HK$289/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,990/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$5,623
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,798
−HK$178/mo
Today · 4.125%
HK$5,976
baseline
▲ 0.50% · 4.625%
HK$6,339
+HK$363/mo
Deposit HK$822K · loan HK$1.23M · min. income ≈ HK$11,952/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$6,256
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,424
−HK$170/mo
Today · 4.125%
HK$6,594
baseline
▲ 0.50% · 4.625%
HK$6,941
+HK$347/mo
Deposit HK$822K · loan HK$1.23M · min. income ≈ HK$13,188/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$6,560
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,764
−HK$208/mo
Today · 4.125%
HK$6,972
baseline
▲ 0.50% · 4.625%
HK$7,396
+HK$424/mo
Deposit HK$617K · loan HK$1.44M · min. income ≈ HK$13,944/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,298
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,494
−HK$199/mo
Today · 4.125%
HK$7,693
baseline
▲ 0.50% · 4.625%
HK$8,098
+HK$405/mo
Deposit HK$617K · loan HK$1.44M · min. income ≈ HK$15,386/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,435
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,697
−HK$267/mo
Today · 4.125%
HK$8,964
baseline
▲ 0.50% · 4.625%
HK$9,509
+HK$545/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,928/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$9,384
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,635
−HK$256/mo
Today · 4.125%
HK$9,891
baseline
▲ 0.50% · 4.625%
HK$10,412
+HK$521/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,782/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).