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$4,636
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,780
−HK$147/mo
Today · 4.125%
HK$4,927
baseline
▲ 0.50% · 4.625%
HK$5,227
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,854/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$5,158
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,296
−HK$140/mo
Today · 4.125%
HK$5,436
baseline
▲ 0.50% · 4.625%
HK$5,723
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,872/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$5,563
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,737
−HK$175/mo
Today · 4.125%
HK$5,912
baseline
▲ 0.50% · 4.625%
HK$6,272
+HK$360/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$11,824/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$6,189
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,355
−HK$169/mo
Today · 4.125%
HK$6,524
baseline
▲ 0.50% · 4.625%
HK$6,868
+HK$344/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$13,048/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$6,491
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,693
−HK$205/mo
Today · 4.125%
HK$6,898
baseline
▲ 0.50% · 4.625%
HK$7,317
+HK$419/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$13,796/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$7,221
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,415
−HK$196/mo
Today · 4.125%
HK$7,611
baseline
▲ 0.50% · 4.625%
HK$8,012
+HK$401/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$15,222/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$8,345
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,605
−HK$264/mo
Today · 4.125%
HK$8,869
baseline
▲ 0.50% · 4.625%
HK$9,408
+HK$539/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,738/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$9,284
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,533
−HK$253/mo
Today · 4.125%
HK$9,786
baseline
▲ 0.50% · 4.625%
HK$10,301
+HK$515/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,572/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).