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$4,650
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,795
−HK$147/mo
Today · 4.125%
HK$4,942
baseline
▲ 0.50% · 4.625%
HK$5,243
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,884/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$5,173
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,312
−HK$141/mo
Today · 4.125%
HK$5,453
baseline
▲ 0.50% · 4.625%
HK$5,740
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,906/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$5,580
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,754
−HK$176/mo
Today · 4.125%
HK$5,930
baseline
▲ 0.50% · 4.625%
HK$6,291
+HK$361/mo
Deposit HK$816K · loan HK$1.22M · min. income ≈ HK$11,860/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,208
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,375
−HK$168/mo
Today · 4.125%
HK$6,543
baseline
▲ 0.50% · 4.625%
HK$6,888
+HK$345/mo
Deposit HK$816K · loan HK$1.22M · min. income ≈ HK$13,086/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,510
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,713
−HK$206/mo
Today · 4.125%
HK$6,919
baseline
▲ 0.50% · 4.625%
HK$7,340
+HK$421/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$13,838/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,243
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,437
−HK$197/mo
Today · 4.125%
HK$7,634
baseline
▲ 0.50% · 4.625%
HK$8,036
+HK$402/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$15,268/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,371
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,631
−HK$264/mo
Today · 4.125%
HK$8,895
baseline
▲ 0.50% · 4.625%
HK$9,437
+HK$542/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,790/mo (50% DSR)
Upfront cash ≈ HK$204K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,312
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,562
−HK$253/mo
Today · 4.125%
HK$9,815
baseline
▲ 0.50% · 4.625%
HK$10,333
+HK$518/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,630/mo (50% DSR)
Upfront cash ≈ HK$204K (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).