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$4,641
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,785
−HK$147/mo
Today · 4.125%
HK$4,932
baseline
▲ 0.50% · 4.625%
HK$5,232
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,864/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$5,163
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,301
−HK$141/mo
Today · 4.125%
HK$5,442
baseline
▲ 0.50% · 4.625%
HK$5,729
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,884/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$5,569
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,742
−HK$176/mo
Today · 4.125%
HK$5,918
baseline
▲ 0.50% · 4.625%
HK$6,278
+HK$360/mo
Deposit HK$814K · loan HK$1.22M · min. income ≈ HK$11,836/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,195
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,362
−HK$168/mo
Today · 4.125%
HK$6,530
baseline
▲ 0.50% · 4.625%
HK$6,874
+HK$344/mo
Deposit HK$814K · loan HK$1.22M · min. income ≈ HK$13,060/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,497
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,699
−HK$205/mo
Today · 4.125%
HK$6,904
baseline
▲ 0.50% · 4.625%
HK$7,325
+HK$421/mo
Deposit HK$611K · loan HK$1.42M · min. income ≈ HK$13,808/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,228
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,422
−HK$196/mo
Today · 4.125%
HK$7,618
baseline
▲ 0.50% · 4.625%
HK$8,020
+HK$402/mo
Deposit HK$611K · loan HK$1.42M · min. income ≈ HK$15,236/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,353
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,613
−HK$264/mo
Today · 4.125%
HK$8,877
baseline
▲ 0.50% · 4.625%
HK$9,417
+HK$540/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$17,754/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$9,293
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,542
−HK$253/mo
Today · 4.125%
HK$9,795
baseline
▲ 0.50% · 4.625%
HK$10,311
+HK$516/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$19,590/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).