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$4,701
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,848
−HK$148/mo
Today · 4.125%
HK$4,996
baseline
▲ 0.50% · 4.625%
HK$5,300
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,992/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$5,230
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,371
−HK$142/mo
Today · 4.125%
HK$5,513
baseline
▲ 0.50% · 4.625%
HK$5,803
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,026/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$5,642
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,817
−HK$179/mo
Today · 4.125%
HK$5,996
baseline
▲ 0.50% · 4.625%
HK$6,360
+HK$364/mo
Deposit HK$825K · loan HK$1.24M · min. income ≈ HK$11,992/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$6,276
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,445
−HK$170/mo
Today · 4.125%
HK$6,615
baseline
▲ 0.50% · 4.625%
HK$6,964
+HK$349/mo
Deposit HK$825K · loan HK$1.24M · min. income ≈ HK$13,230/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$6,582
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,787
−HK$208/mo
Today · 4.125%
HK$6,995
baseline
▲ 0.50% · 4.625%
HK$7,420
+HK$425/mo
Deposit HK$619K · loan HK$1.44M · min. income ≈ HK$13,990/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,322
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,519
−HK$199/mo
Today · 4.125%
HK$7,718
baseline
▲ 0.50% · 4.625%
HK$8,125
+HK$407/mo
Deposit HK$619K · loan HK$1.44M · min. income ≈ HK$15,436/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,463
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,726
−HK$267/mo
Today · 4.125%
HK$8,993
baseline
▲ 0.50% · 4.625%
HK$9,541
+HK$548/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$17,986/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$9,415
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,667
−HK$256/mo
Today · 4.125%
HK$9,923
baseline
▲ 0.50% · 4.625%
HK$10,446
+HK$523/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$19,846/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).