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$4,633
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,777
−HK$146/mo
Today · 4.125%
HK$4,923
baseline
▲ 0.50% · 4.625%
HK$5,223
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,846/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$5,154
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,292
−HK$140/mo
Today · 4.125%
HK$5,432
baseline
▲ 0.50% · 4.625%
HK$5,719
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,864/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$5,559
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,732
−HK$176/mo
Today · 4.125%
HK$5,908
baseline
▲ 0.50% · 4.625%
HK$6,267
+HK$359/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$11,816/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$6,185
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,350
−HK$169/mo
Today · 4.125%
HK$6,519
baseline
▲ 0.50% · 4.625%
HK$6,862
+HK$343/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$13,038/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$6,486
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,687
−HK$205/mo
Today · 4.125%
HK$6,892
baseline
▲ 0.50% · 4.625%
HK$7,312
+HK$420/mo
Deposit HK$609K · loan HK$1.42M · min. income ≈ HK$13,784/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$7,215
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,409
−HK$196/mo
Today · 4.125%
HK$7,605
baseline
▲ 0.50% · 4.625%
HK$8,006
+HK$401/mo
Deposit HK$609K · loan HK$1.42M · min. income ≈ HK$15,210/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$8,339
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,598
−HK$264/mo
Today · 4.125%
HK$8,862
baseline
▲ 0.50% · 4.625%
HK$9,401
+HK$539/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,724/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$9,277
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,526
−HK$252/mo
Today · 4.125%
HK$9,778
baseline
▲ 0.50% · 4.625%
HK$10,293
+HK$515/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,556/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).