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$4,676
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,821
−HK$148/mo
Today · 4.125%
HK$4,969
baseline
▲ 0.50% · 4.625%
HK$5,271
+HK$302/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,938/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$5,202
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,341
−HK$142/mo
Today · 4.125%
HK$5,483
baseline
▲ 0.50% · 4.625%
HK$5,772
+HK$289/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,966/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$5,611
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,785
−HK$178/mo
Today · 4.125%
HK$5,963
baseline
▲ 0.50% · 4.625%
HK$6,325
+HK$362/mo
Deposit HK$820K · loan HK$1.23M · min. income ≈ HK$11,926/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,242
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,409
−HK$170/mo
Today · 4.125%
HK$6,579
baseline
▲ 0.50% · 4.625%
HK$6,926
+HK$347/mo
Deposit HK$820K · loan HK$1.23M · min. income ≈ HK$13,158/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,546
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,750
−HK$206/mo
Today · 4.125%
HK$6,956
baseline
▲ 0.50% · 4.625%
HK$7,380
+HK$424/mo
Deposit HK$615K · loan HK$1.44M · min. income ≈ HK$13,912/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,282
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,478
−HK$198/mo
Today · 4.125%
HK$7,676
baseline
▲ 0.50% · 4.625%
HK$8,080
+HK$404/mo
Deposit HK$615K · loan HK$1.44M · min. income ≈ HK$15,352/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,416
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,678
−HK$266/mo
Today · 4.125%
HK$8,944
baseline
▲ 0.50% · 4.625%
HK$9,488
+HK$544/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$17,888/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$9,363
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,614
−HK$255/mo
Today · 4.125%
HK$9,869
baseline
▲ 0.50% · 4.625%
HK$10,389
+HK$520/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$19,738/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).