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$4,700
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,846
−HK$148/mo
Today · 4.125%
HK$4,994
baseline
▲ 0.50% · 4.625%
HK$5,298
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,988/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$5,228
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,369
−HK$142/mo
Today · 4.125%
HK$5,511
baseline
▲ 0.50% · 4.625%
HK$5,801
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,022/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$5,640
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,815
−HK$178/mo
Today · 4.125%
HK$5,993
baseline
▲ 0.50% · 4.625%
HK$6,358
+HK$365/mo
Deposit HK$824K · loan HK$1.24M · min. income ≈ HK$11,986/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$6,274
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,442
−HK$171/mo
Today · 4.125%
HK$6,613
baseline
▲ 0.50% · 4.625%
HK$6,962
+HK$349/mo
Deposit HK$824K · loan HK$1.24M · min. income ≈ HK$13,226/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$6,580
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,784
−HK$208/mo
Today · 4.125%
HK$6,992
baseline
▲ 0.50% · 4.625%
HK$7,418
+HK$426/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$13,984/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$7,320
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,516
−HK$199/mo
Today · 4.125%
HK$7,715
baseline
▲ 0.50% · 4.625%
HK$8,122
+HK$407/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$15,430/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$8,459
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,723
−HK$267/mo
Today · 4.125%
HK$8,990
baseline
▲ 0.50% · 4.625%
HK$9,537
+HK$547/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,980/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$9,411
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,663
−HK$256/mo
Today · 4.125%
HK$9,919
baseline
▲ 0.50% · 4.625%
HK$10,442
+HK$523/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,838/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).