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$4,667
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,812
−HK$147/mo
Today · 4.125%
HK$4,959
baseline
▲ 0.50% · 4.625%
HK$5,261
+HK$302/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,918/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$5,192
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,331
−HK$141/mo
Today · 4.125%
HK$5,472
baseline
▲ 0.50% · 4.625%
HK$5,761
+HK$289/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,944/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$5,600
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,774
−HK$177/mo
Today · 4.125%
HK$5,951
baseline
▲ 0.50% · 4.625%
HK$6,313
+HK$362/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$11,902/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,230
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,397
−HK$170/mo
Today · 4.125%
HK$6,567
baseline
▲ 0.50% · 4.625%
HK$6,913
+HK$346/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$13,134/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,533
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,737
−HK$206/mo
Today · 4.125%
HK$6,943
baseline
▲ 0.50% · 4.625%
HK$7,366
+HK$423/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$13,886/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,268
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,463
−HK$198/mo
Today · 4.125%
HK$7,661
baseline
▲ 0.50% · 4.625%
HK$8,065
+HK$404/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$15,322/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,400
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,661
−HK$266/mo
Today · 4.125%
HK$8,927
baseline
▲ 0.50% · 4.625%
HK$9,470
+HK$543/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,854/mo (50% DSR)
Upfront cash ≈ HK$205K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,345
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,596
−HK$254/mo
Today · 4.125%
HK$9,850
baseline
▲ 0.50% · 4.625%
HK$10,369
+HK$519/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,700/mo (50% DSR)
Upfront cash ≈ HK$205K (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).