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$4,637
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,781
−HK$146/mo
Today · 4.125%
HK$4,927
baseline
▲ 0.50% · 4.625%
HK$5,227
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,854/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$5,158
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,297
−HK$140/mo
Today · 4.125%
HK$5,437
baseline
▲ 0.50% · 4.625%
HK$5,723
+HK$286/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,874/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$5,564
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,737
−HK$176/mo
Today · 4.125%
HK$5,913
baseline
▲ 0.50% · 4.625%
HK$6,273
+HK$360/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$11,826/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,190
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,356
−HK$168/mo
Today · 4.125%
HK$6,524
baseline
▲ 0.50% · 4.625%
HK$6,868
+HK$344/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$13,048/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,491
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,693
−HK$205/mo
Today · 4.125%
HK$6,898
baseline
▲ 0.50% · 4.625%
HK$7,318
+HK$420/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$13,796/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,222
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,415
−HK$197/mo
Today · 4.125%
HK$7,612
baseline
▲ 0.50% · 4.625%
HK$8,013
+HK$401/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$15,224/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,346
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,606
−HK$263/mo
Today · 4.125%
HK$8,869
baseline
▲ 0.50% · 4.625%
HK$9,409
+HK$540/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,738/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$9,285
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,534
−HK$252/mo
Today · 4.125%
HK$9,786
baseline
▲ 0.50% · 4.625%
HK$10,302
+HK$516/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,572/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).