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$4,684
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,829
−HK$149/mo
Today · 4.125%
HK$4,978
baseline
▲ 0.50% · 4.625%
HK$5,280
+HK$302/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,956/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$5,211
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,350
−HK$142/mo
Today · 4.125%
HK$5,492
baseline
▲ 0.50% · 4.625%
HK$5,782
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,984/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$5,621
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,795
−HK$178/mo
Today · 4.125%
HK$5,973
baseline
▲ 0.50% · 4.625%
HK$6,336
+HK$363/mo
Deposit HK$822K · loan HK$1.23M · min. income ≈ HK$11,946/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,253
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,420
−HK$171/mo
Today · 4.125%
HK$6,591
baseline
▲ 0.50% · 4.625%
HK$6,938
+HK$347/mo
Deposit HK$822K · loan HK$1.23M · min. income ≈ HK$13,182/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,557
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,761
−HK$208/mo
Today · 4.125%
HK$6,969
baseline
▲ 0.50% · 4.625%
HK$7,393
+HK$424/mo
Deposit HK$616K · loan HK$1.44M · min. income ≈ HK$13,938/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$7,295
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,491
−HK$198/mo
Today · 4.125%
HK$7,689
baseline
▲ 0.50% · 4.625%
HK$8,094
+HK$405/mo
Deposit HK$616K · loan HK$1.44M · min. income ≈ HK$15,378/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$8,431
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,693
−HK$267/mo
Today · 4.125%
HK$8,960
baseline
▲ 0.50% · 4.625%
HK$9,505
+HK$545/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$17,920/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$9,379
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,631
−HK$255/mo
Today · 4.125%
HK$9,886
baseline
▲ 0.50% · 4.625%
HK$10,407
+HK$521/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$19,772/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).