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$4,632
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,776
−HK$147/mo
Today · 4.125%
HK$4,923
baseline
▲ 0.50% · 4.625%
HK$5,222
+HK$299/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,846/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,153
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,291
−HK$141/mo
Today · 4.125%
HK$5,432
baseline
▲ 0.50% · 4.625%
HK$5,718
+HK$286/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,864/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,559
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,731
−HK$176/mo
Today · 4.125%
HK$5,907
baseline
▲ 0.50% · 4.625%
HK$6,267
+HK$360/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$11,814/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,184
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,350
−HK$168/mo
Today · 4.125%
HK$6,518
baseline
▲ 0.50% · 4.625%
HK$6,862
+HK$344/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$13,036/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,485
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,687
−HK$205/mo
Today · 4.125%
HK$6,892
baseline
▲ 0.50% · 4.625%
HK$7,311
+HK$419/mo
Deposit HK$609K · loan HK$1.42M · min. income ≈ HK$13,784/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,214
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,408
−HK$196/mo
Today · 4.125%
HK$7,604
baseline
▲ 0.50% · 4.625%
HK$8,005
+HK$401/mo
Deposit HK$609K · loan HK$1.42M · min. income ≈ HK$15,208/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,338
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,597
−HK$264/mo
Today · 4.125%
HK$8,861
baseline
▲ 0.50% · 4.625%
HK$9,400
+HK$539/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,722/mo (50% DSR)
Upfront cash ≈ HK$203K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,276
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,525
−HK$252/mo
Today · 4.125%
HK$9,777
baseline
▲ 0.50% · 4.625%
HK$10,292
+HK$515/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,554/mo (50% DSR)
Upfront cash ≈ HK$203K (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).