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$4,632
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,776
−HK$146/mo
Today · 4.125%
HK$4,922
baseline
▲ 0.50% · 4.625%
HK$5,222
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,844/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$5,153
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,291
−HK$140/mo
Today · 4.125%
HK$5,431
baseline
▲ 0.50% · 4.625%
HK$5,717
+HK$286/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,862/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$5,558
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,731
−HK$175/mo
Today · 4.125%
HK$5,906
baseline
▲ 0.50% · 4.625%
HK$6,266
+HK$360/mo
Deposit HK$812K · loan HK$1.22M · min. income ≈ HK$11,812/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$6,183
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,349
−HK$168/mo
Today · 4.125%
HK$6,517
baseline
▲ 0.50% · 4.625%
HK$6,861
+HK$344/mo
Deposit HK$812K · loan HK$1.22M · min. income ≈ HK$13,034/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$6,484
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,686
−HK$205/mo
Today · 4.125%
HK$6,891
baseline
▲ 0.50% · 4.625%
HK$7,310
+HK$419/mo
Deposit HK$609K · loan HK$1.42M · min. income ≈ HK$13,782/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,214
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,407
−HK$196/mo
Today · 4.125%
HK$7,603
baseline
▲ 0.50% · 4.625%
HK$8,004
+HK$401/mo
Deposit HK$609K · loan HK$1.42M · min. income ≈ HK$15,206/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,337
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,596
−HK$264/mo
Today · 4.125%
HK$8,860
baseline
▲ 0.50% · 4.625%
HK$9,399
+HK$539/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,720/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$9,275
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,523
−HK$253/mo
Today · 4.125%
HK$9,776
baseline
▲ 0.50% · 4.625%
HK$10,291
+HK$515/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,552/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).