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$4,830
−HK$148/mo
Today · 4.125%
HK$4,978
baseline
▲ 0.50% · 4.625%
HK$5,281
+HK$303/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$282/mo
▼ 0.25% · 3.875%
HK$5,351
−HK$142/mo
Today · 4.125%
HK$5,493
baseline
▲ 0.50% · 4.625%
HK$5,782
+HK$289/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,986/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$353/mo
▼ 0.25% · 3.875%
HK$5,796
−HK$178/mo
Today · 4.125%
HK$5,974
baseline
▲ 0.50% · 4.625%
HK$6,337
+HK$363/mo
Deposit HK$822K · loan HK$1.23M · min. income ≈ HK$11,948/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$6,421
−HK$170/mo
Today · 4.125%
HK$6,591
baseline
▲ 0.50% · 4.625%
HK$6,939
+HK$348/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$6,558
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,762
−HK$207/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$7,296
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,491
−HK$199/mo
Today · 4.125%
HK$7,690
baseline
▲ 0.50% · 4.625%
HK$8,095
+HK$405/mo
Deposit HK$616K · loan HK$1.44M · min. income ≈ HK$15,380/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$8,432
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,694
−HK$266/mo
Today · 4.125%
HK$8,960
baseline
▲ 0.50% · 4.625%
HK$9,506
+HK$546/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$9,380
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,632
−HK$255/mo
Today · 4.125%
HK$9,887
baseline
▲ 0.50% · 4.625%
HK$10,408
+HK$521/mo
Deposit HK$205K · loan HK$1.85M · min. income ≈ HK$19,774/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).