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$4,629
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,773
−HK$146/mo
Today · 4.125%
HK$4,919
baseline
▲ 0.50% · 4.625%
HK$5,219
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,838/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$5,150
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,288
−HK$140/mo
Today · 4.125%
HK$5,428
baseline
▲ 0.50% · 4.625%
HK$5,714
+HK$286/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,856/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$5,555
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,728
−HK$175/mo
Today · 4.125%
HK$5,903
baseline
▲ 0.50% · 4.625%
HK$6,263
+HK$360/mo
Deposit HK$812K · loan HK$1.22M · min. income ≈ HK$11,806/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,180
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,346
−HK$168/mo
Today · 4.125%
HK$6,514
baseline
▲ 0.50% · 4.625%
HK$6,857
+HK$343/mo
Deposit HK$812K · loan HK$1.22M · min. income ≈ HK$13,028/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,481
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,682
−HK$205/mo
Today · 4.125%
HK$6,887
baseline
▲ 0.50% · 4.625%
HK$7,306
+HK$419/mo
Deposit HK$609K · loan HK$1.42M · min. income ≈ HK$13,774/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,210
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,403
−HK$196/mo
Today · 4.125%
HK$7,599
baseline
▲ 0.50% · 4.625%
HK$8,000
+HK$401/mo
Deposit HK$609K · loan HK$1.42M · min. income ≈ HK$15,198/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,332
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,592
−HK$263/mo
Today · 4.125%
HK$8,855
baseline
▲ 0.50% · 4.625%
HK$9,394
+HK$539/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,710/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$9,270
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,518
−HK$253/mo
Today · 4.125%
HK$9,771
baseline
▲ 0.50% · 4.625%
HK$10,286
+HK$515/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,542/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).