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$4,703
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,850
−HK$148/mo
Today · 4.125%
HK$4,998
baseline
▲ 0.50% · 4.625%
HK$5,302
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,996/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$5,232
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,373
−HK$142/mo
Today · 4.125%
HK$5,515
baseline
▲ 0.50% · 4.625%
HK$5,806
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,030/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$5,644
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,819
−HK$179/mo
Today · 4.125%
HK$5,998
baseline
▲ 0.50% · 4.625%
HK$6,363
+HK$365/mo
Deposit HK$825K · loan HK$1.24M · min. income ≈ HK$11,996/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$6,279
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,447
−HK$171/mo
Today · 4.125%
HK$6,618
baseline
▲ 0.50% · 4.625%
HK$6,967
+HK$349/mo
Deposit HK$825K · loan HK$1.24M · min. income ≈ HK$13,236/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$6,584
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,789
−HK$208/mo
Today · 4.125%
HK$6,997
baseline
▲ 0.50% · 4.625%
HK$7,423
+HK$426/mo
Deposit HK$619K · loan HK$1.44M · min. income ≈ HK$13,994/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$7,325
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,522
−HK$199/mo
Today · 4.125%
HK$7,721
baseline
▲ 0.50% · 4.625%
HK$8,128
+HK$407/mo
Deposit HK$619K · loan HK$1.44M · min. income ≈ HK$15,442/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$8,466
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,729
−HK$268/mo
Today · 4.125%
HK$8,997
baseline
▲ 0.50% · 4.625%
HK$9,544
+HK$547/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$17,994/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$9,418
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,671
−HK$256/mo
Today · 4.125%
HK$9,927
baseline
▲ 0.50% · 4.625%
HK$10,450
+HK$523/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$19,854/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).