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$4,675
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,820
−HK$148/mo
Today · 4.125%
HK$4,968
baseline
▲ 0.50% · 4.625%
HK$5,270
+HK$302/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,936/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$5,201
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,340
−HK$142/mo
Today · 4.125%
HK$5,482
baseline
▲ 0.50% · 4.625%
HK$5,771
+HK$289/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,964/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$5,610
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,784
−HK$178/mo
Today · 4.125%
HK$5,962
baseline
▲ 0.50% · 4.625%
HK$6,325
+HK$363/mo
Deposit HK$820K · loan HK$1.23M · min. income ≈ HK$11,924/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$6,241
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,408
−HK$170/mo
Today · 4.125%
HK$6,578
baseline
▲ 0.50% · 4.625%
HK$6,925
+HK$347/mo
Deposit HK$820K · loan HK$1.23M · min. income ≈ HK$13,156/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$6,545
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,749
−HK$206/mo
Today · 4.125%
HK$6,955
baseline
▲ 0.50% · 4.625%
HK$7,379
+HK$424/mo
Deposit HK$615K · loan HK$1.44M · min. income ≈ HK$13,910/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$7,281
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,477
−HK$198/mo
Today · 4.125%
HK$7,675
baseline
▲ 0.50% · 4.625%
HK$8,079
+HK$404/mo
Deposit HK$615K · loan HK$1.44M · min. income ≈ HK$15,350/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$8,415
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,677
−HK$266/mo
Today · 4.125%
HK$8,943
baseline
▲ 0.50% · 4.625%
HK$9,487
+HK$544/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$17,886/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$9,362
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,613
−HK$254/mo
Today · 4.125%
HK$9,867
baseline
▲ 0.50% · 4.625%
HK$10,387
+HK$520/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$19,734/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).