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$4,657
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,802
−HK$147/mo
Today · 4.125%
HK$4,949
baseline
▲ 0.50% · 4.625%
HK$5,250
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,898/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$5,181
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,320
−HK$141/mo
Today · 4.125%
HK$5,461
baseline
▲ 0.50% · 4.625%
HK$5,749
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,922/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$5,589
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,762
−HK$177/mo
Today · 4.125%
HK$5,939
baseline
▲ 0.50% · 4.625%
HK$6,300
+HK$361/mo
Deposit HK$817K · loan HK$1.23M · min. income ≈ HK$11,878/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,217
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,384
−HK$169/mo
Today · 4.125%
HK$6,553
baseline
▲ 0.50% · 4.625%
HK$6,899
+HK$346/mo
Deposit HK$817K · loan HK$1.23M · min. income ≈ HK$13,106/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,520
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,723
−HK$206/mo
Today · 4.125%
HK$6,929
baseline
▲ 0.50% · 4.625%
HK$7,350
+HK$421/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$13,858/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,253
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,448
−HK$197/mo
Today · 4.125%
HK$7,645
baseline
▲ 0.50% · 4.625%
HK$8,048
+HK$403/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$15,290/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,383
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,644
−HK$265/mo
Today · 4.125%
HK$8,909
baseline
▲ 0.50% · 4.625%
HK$9,451
+HK$542/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,818/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$9,326
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,576
−HK$254/mo
Today · 4.125%
HK$9,830
baseline
▲ 0.50% · 4.625%
HK$10,348
+HK$518/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,660/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).