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$4,666
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,811
−HK$148/mo
Today · 4.125%
HK$4,959
baseline
▲ 0.50% · 4.625%
HK$5,260
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,918/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$5,191
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,330
−HK$141/mo
Today · 4.125%
HK$5,471
baseline
▲ 0.50% · 4.625%
HK$5,760
+HK$289/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,942/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$5,599
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,773
−HK$177/mo
Today · 4.125%
HK$5,950
baseline
▲ 0.50% · 4.625%
HK$6,312
+HK$362/mo
Deposit HK$818K · loan HK$1.23M · min. income ≈ HK$11,900/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,229
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,396
−HK$169/mo
Today · 4.125%
HK$6,565
baseline
▲ 0.50% · 4.625%
HK$6,912
+HK$347/mo
Deposit HK$818K · loan HK$1.23M · min. income ≈ HK$13,130/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,532
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,735
−HK$207/mo
Today · 4.125%
HK$6,942
baseline
▲ 0.50% · 4.625%
HK$7,364
+HK$422/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$13,884/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,267
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,462
−HK$198/mo
Today · 4.125%
HK$7,660
baseline
▲ 0.50% · 4.625%
HK$8,063
+HK$403/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$15,320/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,399
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,660
−HK$265/mo
Today · 4.125%
HK$8,925
baseline
▲ 0.50% · 4.625%
HK$9,468
+HK$543/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,850/mo (50% DSR)
Upfront cash ≈ HK$205K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,343
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,594
−HK$254/mo
Today · 4.125%
HK$9,848
baseline
▲ 0.50% · 4.625%
HK$10,367
+HK$519/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,696/mo (50% DSR)
Upfront cash ≈ HK$205K (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).