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$4,678
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,824
−HK$147/mo
Today · 4.125%
HK$4,971
baseline
▲ 0.50% · 4.625%
HK$5,274
+HK$303/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,942/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$5,204
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,344
−HK$141/mo
Today · 4.125%
HK$5,485
baseline
▲ 0.50% · 4.625%
HK$5,775
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,970/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$5,614
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,788
−HK$178/mo
Today · 4.125%
HK$5,966
baseline
▲ 0.50% · 4.625%
HK$6,329
+HK$363/mo
Deposit HK$821K · loan HK$1.23M · min. income ≈ HK$11,932/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,245
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,413
−HK$170/mo
Today · 4.125%
HK$6,583
baseline
▲ 0.50% · 4.625%
HK$6,930
+HK$347/mo
Deposit HK$821K · loan HK$1.23M · min. income ≈ HK$13,166/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,549
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,753
−HK$207/mo
Today · 4.125%
HK$6,960
baseline
▲ 0.50% · 4.625%
HK$7,383
+HK$423/mo
Deposit HK$615K · loan HK$1.44M · min. income ≈ HK$13,920/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,286
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,481
−HK$199/mo
Today · 4.125%
HK$7,680
baseline
▲ 0.50% · 4.625%
HK$8,084
+HK$404/mo
Deposit HK$615K · loan HK$1.44M · min. income ≈ HK$15,360/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,420
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,682
−HK$267/mo
Today · 4.125%
HK$8,949
baseline
▲ 0.50% · 4.625%
HK$9,493
+HK$544/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$17,898/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$9,368
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,619
−HK$255/mo
Today · 4.125%
HK$9,874
baseline
▲ 0.50% · 4.625%
HK$10,394
+HK$520/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$19,748/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).