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$4,655
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,800
−HK$147/mo
Today · 4.125%
HK$4,947
baseline
▲ 0.50% · 4.625%
HK$5,248
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,894/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$5,179
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,318
−HK$141/mo
Today · 4.125%
HK$5,459
baseline
▲ 0.50% · 4.625%
HK$5,746
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,918/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$5,586
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,760
−HK$176/mo
Today · 4.125%
HK$5,936
baseline
▲ 0.50% · 4.625%
HK$6,298
+HK$362/mo
Deposit HK$817K · loan HK$1.22M · min. income ≈ HK$11,872/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$6,214
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,381
−HK$169/mo
Today · 4.125%
HK$6,550
baseline
▲ 0.50% · 4.625%
HK$6,895
+HK$345/mo
Deposit HK$817K · loan HK$1.22M · min. income ≈ HK$13,100/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$6,517
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,720
−HK$206/mo
Today · 4.125%
HK$6,926
baseline
▲ 0.50% · 4.625%
HK$7,347
+HK$421/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$13,852/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$7,250
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,445
−HK$197/mo
Today · 4.125%
HK$7,642
baseline
▲ 0.50% · 4.625%
HK$8,045
+HK$403/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$15,284/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$8,379
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,640
−HK$265/mo
Today · 4.125%
HK$8,905
baseline
▲ 0.50% · 4.625%
HK$9,446
+HK$541/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,810/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$9,322
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,572
−HK$253/mo
Today · 4.125%
HK$9,825
baseline
▲ 0.50% · 4.625%
HK$10,343
+HK$518/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,650/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).