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$4,635
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,780
−HK$146/mo
Today · 4.125%
HK$4,926
baseline
▲ 0.50% · 4.625%
HK$5,226
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,852/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$5,157
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,295
−HK$140/mo
Today · 4.125%
HK$5,435
baseline
▲ 0.50% · 4.625%
HK$5,722
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,870/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$5,562
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,735
−HK$176/mo
Today · 4.125%
HK$5,911
baseline
▲ 0.50% · 4.625%
HK$6,271
+HK$360/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$11,822/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$6,188
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,354
−HK$168/mo
Today · 4.125%
HK$6,522
baseline
▲ 0.50% · 4.625%
HK$6,866
+HK$344/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$13,044/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$6,489
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,691
−HK$205/mo
Today · 4.125%
HK$6,896
baseline
▲ 0.50% · 4.625%
HK$7,316
+HK$420/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$13,792/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,219
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,413
−HK$197/mo
Today · 4.125%
HK$7,610
baseline
▲ 0.50% · 4.625%
HK$8,011
+HK$401/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$15,220/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,344
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,603
−HK$264/mo
Today · 4.125%
HK$8,867
baseline
▲ 0.50% · 4.625%
HK$9,406
+HK$539/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,734/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$9,282
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,531
−HK$253/mo
Today · 4.125%
HK$9,784
baseline
▲ 0.50% · 4.625%
HK$10,299
+HK$515/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,568/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).