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$4,696
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,842
−HK$149/mo
Today · 4.125%
HK$4,991
baseline
▲ 0.50% · 4.625%
HK$5,294
+HK$303/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,982/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$5,224
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,365
−HK$142/mo
Today · 4.125%
HK$5,507
baseline
▲ 0.50% · 4.625%
HK$5,797
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,014/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$5,635
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,811
−HK$178/mo
Today · 4.125%
HK$5,989
baseline
▲ 0.50% · 4.625%
HK$6,353
+HK$364/mo
Deposit HK$824K · loan HK$1.24M · min. income ≈ HK$11,978/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$6,269
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,437
−HK$171/mo
Today · 4.125%
HK$6,608
baseline
▲ 0.50% · 4.625%
HK$6,956
+HK$348/mo
Deposit HK$824K · loan HK$1.24M · min. income ≈ HK$13,216/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$6,575
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,779
−HK$208/mo
Today · 4.125%
HK$6,987
baseline
▲ 0.50% · 4.625%
HK$7,412
+HK$425/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$13,974/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$7,314
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,510
−HK$199/mo
Today · 4.125%
HK$7,709
baseline
▲ 0.50% · 4.625%
HK$8,116
+HK$407/mo
Deposit HK$618K · loan HK$1.44M · min. income ≈ HK$15,418/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$8,453
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,716
−HK$267/mo
Today · 4.125%
HK$8,983
baseline
▲ 0.50% · 4.625%
HK$9,530
+HK$547/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,966/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$9,404
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,656
−HK$256/mo
Today · 4.125%
HK$9,912
baseline
▲ 0.50% · 4.625%
HK$10,434
+HK$522/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,824/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).