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$4,634
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,778
−HK$146/mo
Today · 4.125%
HK$4,924
baseline
▲ 0.50% · 4.625%
HK$5,224
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,848/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$5,155
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,293
−HK$141/mo
Today · 4.125%
HK$5,434
baseline
▲ 0.50% · 4.625%
HK$5,720
+HK$286/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,868/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$5,561
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,734
−HK$175/mo
Today · 4.125%
HK$5,909
baseline
▲ 0.50% · 4.625%
HK$6,269
+HK$360/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$11,818/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$6,186
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,352
−HK$168/mo
Today · 4.125%
HK$6,520
baseline
▲ 0.50% · 4.625%
HK$6,864
+HK$344/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$13,040/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$6,487
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,689
−HK$205/mo
Today · 4.125%
HK$6,894
baseline
▲ 0.50% · 4.625%
HK$7,314
+HK$420/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$13,788/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$7,217
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,411
−HK$196/mo
Today · 4.125%
HK$7,607
baseline
▲ 0.50% · 4.625%
HK$8,008
+HK$401/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$15,214/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$8,341
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,600
−HK$264/mo
Today · 4.125%
HK$8,864
baseline
▲ 0.50% · 4.625%
HK$9,403
+HK$539/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,728/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$9,279
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,528
−HK$253/mo
Today · 4.125%
HK$9,781
baseline
▲ 0.50% · 4.625%
HK$10,296
+HK$515/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,562/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).