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$4,640
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,784
−HK$147/mo
Today · 4.125%
HK$4,931
baseline
▲ 0.50% · 4.625%
HK$5,231
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,862/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$5,162
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,300
−HK$141/mo
Today · 4.125%
HK$5,441
baseline
▲ 0.50% · 4.625%
HK$5,728
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,882/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$5,568
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,741
−HK$176/mo
Today · 4.125%
HK$5,917
baseline
▲ 0.50% · 4.625%
HK$6,277
+HK$360/mo
Deposit HK$814K · loan HK$1.22M · min. income ≈ HK$11,834/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,194
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,361
−HK$168/mo
Today · 4.125%
HK$6,529
baseline
▲ 0.50% · 4.625%
HK$6,873
+HK$344/mo
Deposit HK$814K · loan HK$1.22M · min. income ≈ HK$13,058/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,496
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,698
−HK$205/mo
Today · 4.125%
HK$6,903
baseline
▲ 0.50% · 4.625%
HK$7,324
+HK$421/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$13,806/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,227
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,421
−HK$196/mo
Today · 4.125%
HK$7,617
baseline
▲ 0.50% · 4.625%
HK$8,019
+HK$402/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$15,234/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,352
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,612
−HK$264/mo
Today · 4.125%
HK$8,876
baseline
▲ 0.50% · 4.625%
HK$9,416
+HK$540/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,752/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$9,292
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,541
−HK$253/mo
Today · 4.125%
HK$9,794
baseline
▲ 0.50% · 4.625%
HK$10,310
+HK$516/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,588/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).