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$4,638
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,783
−HK$146/mo
Today · 4.125%
HK$4,929
baseline
▲ 0.50% · 4.625%
HK$5,229
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,858/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$5,160
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,299
−HK$140/mo
Today · 4.125%
HK$5,439
baseline
▲ 0.50% · 4.625%
HK$5,726
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,878/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$5,566
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,739
−HK$176/mo
Today · 4.125%
HK$5,915
baseline
▲ 0.50% · 4.625%
HK$6,275
+HK$360/mo
Deposit HK$814K · loan HK$1.22M · min. income ≈ HK$11,830/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,192
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,358
−HK$169/mo
Today · 4.125%
HK$6,527
baseline
▲ 0.50% · 4.625%
HK$6,871
+HK$344/mo
Deposit HK$814K · loan HK$1.22M · min. income ≈ HK$13,054/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,494
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,696
−HK$205/mo
Today · 4.125%
HK$6,901
baseline
▲ 0.50% · 4.625%
HK$7,321
+HK$420/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$13,802/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$7,224
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,418
−HK$197/mo
Today · 4.125%
HK$7,615
baseline
▲ 0.50% · 4.625%
HK$8,016
+HK$401/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$15,230/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$8,349
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,609
−HK$264/mo
Today · 4.125%
HK$8,873
baseline
▲ 0.50% · 4.625%
HK$9,413
+HK$540/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,746/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$9,288
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,538
−HK$252/mo
Today · 4.125%
HK$9,790
baseline
▲ 0.50% · 4.625%
HK$10,306
+HK$516/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,580/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).