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$4,704
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,851
−HK$148/mo
Today · 4.125%
HK$4,999
baseline
▲ 0.50% · 4.625%
HK$5,303
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,998/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$5,233
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,374
−HK$142/mo
Today · 4.125%
HK$5,516
baseline
▲ 0.50% · 4.625%
HK$5,807
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,032/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$5,645
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,821
−HK$178/mo
Today · 4.125%
HK$5,999
baseline
▲ 0.50% · 4.625%
HK$6,364
+HK$365/mo
Deposit HK$825K · loan HK$1.24M · min. income ≈ HK$11,998/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,280
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,449
−HK$170/mo
Today · 4.125%
HK$6,619
baseline
▲ 0.50% · 4.625%
HK$6,968
+HK$349/mo
Deposit HK$825K · loan HK$1.24M · min. income ≈ HK$13,238/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,586
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,791
−HK$208/mo
Today · 4.125%
HK$6,999
baseline
▲ 0.50% · 4.625%
HK$7,425
+HK$426/mo
Deposit HK$619K · loan HK$1.44M · min. income ≈ HK$13,998/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,327
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,523
−HK$200/mo
Today · 4.125%
HK$7,723
baseline
▲ 0.50% · 4.625%
HK$8,130
+HK$407/mo
Deposit HK$619K · loan HK$1.44M · min. income ≈ HK$15,446/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,468
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,731
−HK$268/mo
Today · 4.125%
HK$8,999
baseline
▲ 0.50% · 4.625%
HK$9,546
+HK$547/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$17,998/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$9,420
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,673
−HK$256/mo
Today · 4.125%
HK$9,929
baseline
▲ 0.50% · 4.625%
HK$10,453
+HK$524/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$19,858/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).