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$4,645
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,790
−HK$147/mo
Today · 4.125%
HK$4,937
baseline
▲ 0.50% · 4.625%
HK$5,237
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,874/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$5,168
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,306
−HK$141/mo
Today · 4.125%
HK$5,447
baseline
▲ 0.50% · 4.625%
HK$5,734
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,894/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$5,574
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,748
−HK$176/mo
Today · 4.125%
HK$5,924
baseline
▲ 0.50% · 4.625%
HK$6,284
+HK$360/mo
Deposit HK$815K · loan HK$1.22M · min. income ≈ HK$11,848/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,201
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,368
−HK$169/mo
Today · 4.125%
HK$6,537
baseline
▲ 0.50% · 4.625%
HK$6,881
+HK$344/mo
Deposit HK$815K · loan HK$1.22M · min. income ≈ HK$13,074/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,503
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,706
−HK$205/mo
Today · 4.125%
HK$6,911
baseline
▲ 0.50% · 4.625%
HK$7,332
+HK$421/mo
Deposit HK$611K · loan HK$1.43M · min. income ≈ HK$13,822/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,235
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,429
−HK$197/mo
Today · 4.125%
HK$7,626
baseline
▲ 0.50% · 4.625%
HK$8,028
+HK$402/mo
Deposit HK$611K · loan HK$1.43M · min. income ≈ HK$15,252/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,362
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,622
−HK$264/mo
Today · 4.125%
HK$8,886
baseline
▲ 0.50% · 4.625%
HK$9,427
+HK$541/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$17,772/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$9,302
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,552
−HK$253/mo
Today · 4.125%
HK$9,805
baseline
▲ 0.50% · 4.625%
HK$10,322
+HK$517/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$19,610/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).