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$4,658
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,803
−HK$147/mo
Today · 4.125%
HK$4,950
baseline
▲ 0.50% · 4.625%
HK$5,251
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,900/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$5,182
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,321
−HK$141/mo
Today · 4.125%
HK$5,462
baseline
▲ 0.50% · 4.625%
HK$5,750
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,924/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$5,590
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,764
−HK$176/mo
Today · 4.125%
HK$5,940
baseline
▲ 0.50% · 4.625%
HK$6,302
+HK$362/mo
Deposit HK$817K · loan HK$1.23M · min. income ≈ HK$11,880/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$6,218
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,385
−HK$169/mo
Today · 4.125%
HK$6,554
baseline
▲ 0.50% · 4.625%
HK$6,900
+HK$346/mo
Deposit HK$817K · loan HK$1.23M · min. income ≈ HK$13,108/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$6,521
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,724
−HK$206/mo
Today · 4.125%
HK$6,930
baseline
▲ 0.50% · 4.625%
HK$7,352
+HK$422/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$13,860/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$7,255
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,449
−HK$198/mo
Today · 4.125%
HK$7,647
baseline
▲ 0.50% · 4.625%
HK$8,050
+HK$403/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$15,294/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$8,385
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,645
−HK$265/mo
Today · 4.125%
HK$8,910
baseline
▲ 0.50% · 4.625%
HK$9,452
+HK$542/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,820/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$9,328
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,578
−HK$254/mo
Today · 4.125%
HK$9,832
baseline
▲ 0.50% · 4.625%
HK$10,350
+HK$518/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,664/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).