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$4,668
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,813
−HK$148/mo
Today · 4.125%
HK$4,961
baseline
▲ 0.50% · 4.625%
HK$5,263
+HK$302/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,922/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$5,193
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,332
−HK$142/mo
Today · 4.125%
HK$5,474
baseline
▲ 0.50% · 4.625%
HK$5,762
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,948/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$5,602
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,776
−HK$177/mo
Today · 4.125%
HK$5,953
baseline
▲ 0.50% · 4.625%
HK$6,315
+HK$362/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$11,906/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$6,232
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,399
−HK$169/mo
Today · 4.125%
HK$6,568
baseline
▲ 0.50% · 4.625%
HK$6,915
+HK$347/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$13,136/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$6,535
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,738
−HK$207/mo
Today · 4.125%
HK$6,945
baseline
▲ 0.50% · 4.625%
HK$7,368
+HK$423/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$13,890/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$7,270
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,465
−HK$198/mo
Today · 4.125%
HK$7,663
baseline
▲ 0.50% · 4.625%
HK$8,067
+HK$404/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$15,326/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$8,402
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,664
−HK$265/mo
Today · 4.125%
HK$8,929
baseline
▲ 0.50% · 4.625%
HK$9,473
+HK$544/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,858/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$9,348
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,598
−HK$255/mo
Today · 4.125%
HK$9,853
baseline
▲ 0.50% · 4.625%
HK$10,372
+HK$519/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,706/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).