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$4,665
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,810
−HK$147/mo
Today · 4.125%
HK$4,957
baseline
▲ 0.50% · 4.625%
HK$5,259
+HK$302/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,914/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$5,189
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,329
−HK$141/mo
Today · 4.125%
HK$5,470
baseline
▲ 0.50% · 4.625%
HK$5,758
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,940/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$5,598
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,772
−HK$177/mo
Today · 4.125%
HK$5,949
baseline
▲ 0.50% · 4.625%
HK$6,311
+HK$362/mo
Deposit HK$818K · loan HK$1.23M · min. income ≈ HK$11,898/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$6,227
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,394
−HK$170/mo
Today · 4.125%
HK$6,564
baseline
▲ 0.50% · 4.625%
HK$6,910
+HK$346/mo
Deposit HK$818K · loan HK$1.23M · min. income ≈ HK$13,128/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$6,531
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,734
−HK$206/mo
Today · 4.125%
HK$6,940
baseline
▲ 0.50% · 4.625%
HK$7,362
+HK$422/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$13,880/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$7,265
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,460
−HK$198/mo
Today · 4.125%
HK$7,658
baseline
▲ 0.50% · 4.625%
HK$8,061
+HK$403/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$15,316/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$8,396
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,658
−HK$265/mo
Today · 4.125%
HK$8,923
baseline
▲ 0.50% · 4.625%
HK$9,466
+HK$543/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,846/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$9,341
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,592
−HK$254/mo
Today · 4.125%
HK$9,846
baseline
▲ 0.50% · 4.625%
HK$10,365
+HK$519/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,692/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).