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$4,666
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,811
−HK$148/mo
Today · 4.125%
HK$4,959
baseline
▲ 0.50% · 4.625%
HK$5,261
+HK$302/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,918/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$5,191
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,330
−HK$142/mo
Today · 4.125%
HK$5,472
baseline
▲ 0.50% · 4.625%
HK$5,760
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,944/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$5,600
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,774
−HK$177/mo
Today · 4.125%
HK$5,951
baseline
▲ 0.50% · 4.625%
HK$6,313
+HK$362/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$11,902/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$6,229
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,397
−HK$169/mo
Today · 4.125%
HK$6,566
baseline
▲ 0.50% · 4.625%
HK$6,912
+HK$346/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$13,132/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$6,533
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,736
−HK$206/mo
Today · 4.125%
HK$6,942
baseline
▲ 0.50% · 4.625%
HK$7,365
+HK$423/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$13,884/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$7,268
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,463
−HK$197/mo
Today · 4.125%
HK$7,660
baseline
▲ 0.50% · 4.625%
HK$8,064
+HK$404/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$15,320/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$8,399
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,661
−HK$265/mo
Today · 4.125%
HK$8,926
baseline
▲ 0.50% · 4.625%
HK$9,469
+HK$543/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,852/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$9,344
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,595
−HK$254/mo
Today · 4.125%
HK$9,849
baseline
▲ 0.50% · 4.625%
HK$10,368
+HK$519/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,698/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).