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$4,644
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,788
−HK$147/mo
Today · 4.125%
HK$4,935
baseline
▲ 0.50% · 4.625%
HK$5,235
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,870/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$5,166
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,305
−HK$140/mo
Today · 4.125%
HK$5,445
baseline
▲ 0.50% · 4.625%
HK$5,732
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,890/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$5,572
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,746
−HK$176/mo
Today · 4.125%
HK$5,922
baseline
▲ 0.50% · 4.625%
HK$6,282
+HK$360/mo
Deposit HK$815K · loan HK$1.22M · min. income ≈ HK$11,844/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,199
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,366
−HK$168/mo
Today · 4.125%
HK$6,534
baseline
▲ 0.50% · 4.625%
HK$6,879
+HK$345/mo
Deposit HK$815K · loan HK$1.22M · min. income ≈ HK$13,068/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,501
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,703
−HK$206/mo
Today · 4.125%
HK$6,909
baseline
▲ 0.50% · 4.625%
HK$7,329
+HK$420/mo
Deposit HK$611K · loan HK$1.43M · min. income ≈ HK$13,818/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$7,233
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,427
−HK$196/mo
Today · 4.125%
HK$7,623
baseline
▲ 0.50% · 4.625%
HK$8,025
+HK$402/mo
Deposit HK$611K · loan HK$1.43M · min. income ≈ HK$15,246/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$8,359
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,619
−HK$264/mo
Today · 4.125%
HK$8,883
baseline
▲ 0.50% · 4.625%
HK$9,423
+HK$540/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$17,766/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$9,299
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,548
−HK$253/mo
Today · 4.125%
HK$9,801
baseline
▲ 0.50% · 4.625%
HK$10,318
+HK$517/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$19,602/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).