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$4,669
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,814
−HK$148/mo
Today · 4.125%
HK$4,962
baseline
▲ 0.50% · 4.625%
HK$5,264
+HK$302/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,924/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$5,194
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,333
−HK$142/mo
Today · 4.125%
HK$5,475
baseline
▲ 0.50% · 4.625%
HK$5,763
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,950/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$5,603
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,777
−HK$177/mo
Today · 4.125%
HK$5,954
baseline
▲ 0.50% · 4.625%
HK$6,316
+HK$362/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$11,908/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$6,233
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,400
−HK$170/mo
Today · 4.125%
HK$6,570
baseline
▲ 0.50% · 4.625%
HK$6,916
+HK$346/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$13,140/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$6,537
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,740
−HK$206/mo
Today · 4.125%
HK$6,946
baseline
▲ 0.50% · 4.625%
HK$7,369
+HK$423/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$13,892/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$7,272
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,467
−HK$198/mo
Today · 4.125%
HK$7,665
baseline
▲ 0.50% · 4.625%
HK$8,069
+HK$404/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$15,330/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$8,404
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,666
−HK$265/mo
Today · 4.125%
HK$8,931
baseline
▲ 0.50% · 4.625%
HK$9,475
+HK$544/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,862/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$9,350
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,600
−HK$255/mo
Today · 4.125%
HK$9,855
baseline
▲ 0.50% · 4.625%
HK$10,374
+HK$519/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,710/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).