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$4,658
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,803
−HK$148/mo
Today · 4.125%
HK$4,951
baseline
▲ 0.50% · 4.625%
HK$5,252
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,902/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$5,182
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,321
−HK$141/mo
Today · 4.125%
HK$5,462
baseline
▲ 0.50% · 4.625%
HK$5,750
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,924/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$5,590
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,764
−HK$177/mo
Today · 4.125%
HK$5,941
baseline
▲ 0.50% · 4.625%
HK$6,302
+HK$361/mo
Deposit HK$817K · loan HK$1.23M · min. income ≈ HK$11,882/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,219
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,386
−HK$169/mo
Today · 4.125%
HK$6,555
baseline
▲ 0.50% · 4.625%
HK$6,901
+HK$346/mo
Deposit HK$817K · loan HK$1.23M · min. income ≈ HK$13,110/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,522
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,725
−HK$206/mo
Today · 4.125%
HK$6,931
baseline
▲ 0.50% · 4.625%
HK$7,353
+HK$422/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$13,862/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,255
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,450
−HK$197/mo
Today · 4.125%
HK$7,647
baseline
▲ 0.50% · 4.625%
HK$8,051
+HK$404/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$15,294/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,385
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,646
−HK$265/mo
Today · 4.125%
HK$8,911
baseline
▲ 0.50% · 4.625%
HK$9,453
+HK$542/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,822/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$9,328
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,579
−HK$253/mo
Today · 4.125%
HK$9,832
baseline
▲ 0.50% · 4.625%
HK$10,351
+HK$519/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,664/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).