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$4,630
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,774
−HK$146/mo
Today · 4.125%
HK$4,920
baseline
▲ 0.50% · 4.625%
HK$5,220
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,840/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$5,151
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,289
−HK$140/mo
Today · 4.125%
HK$5,429
baseline
▲ 0.50% · 4.625%
HK$5,715
+HK$286/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,858/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$5,556
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,729
−HK$175/mo
Today · 4.125%
HK$5,904
baseline
▲ 0.50% · 4.625%
HK$6,264
+HK$360/mo
Deposit HK$812K · loan HK$1.22M · min. income ≈ HK$11,808/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$6,181
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,347
−HK$168/mo
Today · 4.125%
HK$6,515
baseline
▲ 0.50% · 4.625%
HK$6,858
+HK$343/mo
Deposit HK$812K · loan HK$1.22M · min. income ≈ HK$13,030/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$6,482
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,684
−HK$204/mo
Today · 4.125%
HK$6,888
baseline
▲ 0.50% · 4.625%
HK$7,308
+HK$420/mo
Deposit HK$609K · loan HK$1.42M · min. income ≈ HK$13,776/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$7,211
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,404
−HK$197/mo
Today · 4.125%
HK$7,601
baseline
▲ 0.50% · 4.625%
HK$8,001
+HK$400/mo
Deposit HK$609K · loan HK$1.42M · min. income ≈ HK$15,202/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$8,334
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,593
−HK$264/mo
Today · 4.125%
HK$8,857
baseline
▲ 0.50% · 4.625%
HK$9,395
+HK$538/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,714/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$9,271
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,520
−HK$252/mo
Today · 4.125%
HK$9,772
baseline
▲ 0.50% · 4.625%
HK$10,287
+HK$515/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,544/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).