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$4,670
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,815
−HK$148/mo
Today · 4.125%
HK$4,963
baseline
▲ 0.50% · 4.625%
HK$5,264
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,926/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$5,195
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,334
−HK$142/mo
Today · 4.125%
HK$5,476
baseline
▲ 0.50% · 4.625%
HK$5,764
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,952/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$5,604
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,778
−HK$177/mo
Today · 4.125%
HK$5,955
baseline
▲ 0.50% · 4.625%
HK$6,317
+HK$362/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$11,910/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$6,234
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,401
−HK$170/mo
Today · 4.125%
HK$6,571
baseline
▲ 0.50% · 4.625%
HK$6,917
+HK$346/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$13,142/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$6,538
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,741
−HK$207/mo
Today · 4.125%
HK$6,948
baseline
▲ 0.50% · 4.625%
HK$7,370
+HK$422/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$13,896/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$7,273
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,468
−HK$198/mo
Today · 4.125%
HK$7,666
baseline
▲ 0.50% · 4.625%
HK$8,070
+HK$404/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$15,332/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$8,405
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,667
−HK$266/mo
Today · 4.125%
HK$8,933
baseline
▲ 0.50% · 4.625%
HK$9,476
+HK$543/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,866/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$9,351
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,602
−HK$254/mo
Today · 4.125%
HK$9,856
baseline
▲ 0.50% · 4.625%
HK$10,376
+HK$520/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,712/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).