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$4,631
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,775
−HK$146/mo
Today · 4.125%
HK$4,921
baseline
▲ 0.50% · 4.625%
HK$5,220
+HK$299/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,842/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$5,152
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,290
−HK$140/mo
Today · 4.125%
HK$5,430
baseline
▲ 0.50% · 4.625%
HK$5,716
+HK$286/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,860/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$5,557
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,730
−HK$175/mo
Today · 4.125%
HK$5,905
baseline
▲ 0.50% · 4.625%
HK$6,265
+HK$360/mo
Deposit HK$812K · loan HK$1.22M · min. income ≈ HK$11,810/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,182
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,348
−HK$168/mo
Today · 4.125%
HK$6,516
baseline
▲ 0.50% · 4.625%
HK$6,859
+HK$343/mo
Deposit HK$812K · loan HK$1.22M · min. income ≈ HK$13,032/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,483
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,685
−HK$204/mo
Today · 4.125%
HK$6,889
baseline
▲ 0.50% · 4.625%
HK$7,309
+HK$420/mo
Deposit HK$609K · loan HK$1.42M · min. income ≈ HK$13,778/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,212
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,406
−HK$196/mo
Today · 4.125%
HK$7,602
baseline
▲ 0.50% · 4.625%
HK$8,003
+HK$401/mo
Deposit HK$609K · loan HK$1.42M · min. income ≈ HK$15,204/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,335
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,594
−HK$264/mo
Today · 4.125%
HK$8,858
baseline
▲ 0.50% · 4.625%
HK$9,397
+HK$539/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,716/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$9,273
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,521
−HK$253/mo
Today · 4.125%
HK$9,774
baseline
▲ 0.50% · 4.625%
HK$10,289
+HK$515/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,548/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).