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$4,653
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,798
−HK$147/mo
Today · 4.125%
HK$4,945
baseline
▲ 0.50% · 4.625%
HK$5,246
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,890/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$5,176
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,315
−HK$141/mo
Today · 4.125%
HK$5,456
baseline
▲ 0.50% · 4.625%
HK$5,744
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,912/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$5,584
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,757
−HK$177/mo
Today · 4.125%
HK$5,934
baseline
▲ 0.50% · 4.625%
HK$6,295
+HK$361/mo
Deposit HK$816K · loan HK$1.22M · min. income ≈ HK$11,868/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,212
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,378
−HK$169/mo
Today · 4.125%
HK$6,547
baseline
▲ 0.50% · 4.625%
HK$6,892
+HK$345/mo
Deposit HK$816K · loan HK$1.22M · min. income ≈ HK$13,094/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,514
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,717
−HK$206/mo
Today · 4.125%
HK$6,923
baseline
▲ 0.50% · 4.625%
HK$7,344
+HK$421/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$13,846/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,247
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,441
−HK$197/mo
Today · 4.125%
HK$7,638
baseline
▲ 0.50% · 4.625%
HK$8,041
+HK$403/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$15,276/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,375
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,636
−HK$265/mo
Today · 4.125%
HK$8,901
baseline
▲ 0.50% · 4.625%
HK$9,442
+HK$541/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,802/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$9,318
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,567
−HK$254/mo
Today · 4.125%
HK$9,821
baseline
▲ 0.50% · 4.625%
HK$10,339
+HK$518/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,642/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).