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$4,662
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,807
−HK$147/mo
Today · 4.125%
HK$4,954
baseline
▲ 0.50% · 4.625%
HK$5,256
+HK$302/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,908/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$5,186
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,325
−HK$142/mo
Today · 4.125%
HK$5,467
baseline
▲ 0.50% · 4.625%
HK$5,755
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,934/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$5,594
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,768
−HK$177/mo
Today · 4.125%
HK$5,945
baseline
▲ 0.50% · 4.625%
HK$6,307
+HK$362/mo
Deposit HK$818K · loan HK$1.23M · min. income ≈ HK$11,890/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,224
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,391
−HK$169/mo
Today · 4.125%
HK$6,560
baseline
▲ 0.50% · 4.625%
HK$6,906
+HK$346/mo
Deposit HK$818K · loan HK$1.23M · min. income ≈ HK$13,120/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,527
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,730
−HK$206/mo
Today · 4.125%
HK$6,936
baseline
▲ 0.50% · 4.625%
HK$7,358
+HK$422/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$13,872/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$7,261
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,456
−HK$197/mo
Today · 4.125%
HK$7,653
baseline
▲ 0.50% · 4.625%
HK$8,057
+HK$404/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$15,306/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$8,392
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,653
−HK$265/mo
Today · 4.125%
HK$8,918
baseline
▲ 0.50% · 4.625%
HK$9,460
+HK$542/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,836/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$9,335
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,586
−HK$254/mo
Today · 4.125%
HK$9,840
baseline
▲ 0.50% · 4.625%
HK$10,359
+HK$519/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,680/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).