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$4,694
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,840
−HK$149/mo
Today · 4.125%
HK$4,989
baseline
▲ 0.50% · 4.625%
HK$5,292
+HK$303/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$5,222
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,362
−HK$142/mo
Today · 4.125%
HK$5,504
baseline
▲ 0.50% · 4.625%
HK$5,795
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,008/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$5,633
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,808
−HK$178/mo
Today · 4.125%
HK$5,986
baseline
▲ 0.50% · 4.625%
HK$6,351
+HK$365/mo
Deposit HK$823K · loan HK$1.24M · min. income ≈ HK$11,972/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$6,267
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,435
−HK$170/mo
Today · 4.125%
HK$6,605
baseline
▲ 0.50% · 4.625%
HK$6,953
+HK$348/mo
Deposit HK$823K · loan HK$1.24M · min. income ≈ HK$13,210/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$6,572
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,776
−HK$208/mo
Today · 4.125%
HK$6,984
baseline
▲ 0.50% · 4.625%
HK$7,409
+HK$425/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$13,968/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$7,311
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,507
−HK$199/mo
Today · 4.125%
HK$7,706
baseline
▲ 0.50% · 4.625%
HK$8,112
+HK$406/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$15,412/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$8,450
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,712
−HK$267/mo
Today · 4.125%
HK$8,979
baseline
▲ 0.50% · 4.625%
HK$9,526
+HK$547/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,958/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$9,400
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,652
−HK$256/mo
Today · 4.125%
HK$9,908
baseline
▲ 0.50% · 4.625%
HK$10,430
+HK$522/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,816/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).