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$4,638
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,782
−HK$146/mo
Today · 4.125%
HK$4,928
baseline
▲ 0.50% · 4.625%
HK$5,228
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,856/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$5,159
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,298
−HK$140/mo
Today · 4.125%
HK$5,438
baseline
▲ 0.50% · 4.625%
HK$5,725
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,876/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$5,565
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,738
−HK$176/mo
Today · 4.125%
HK$5,914
baseline
▲ 0.50% · 4.625%
HK$6,274
+HK$360/mo
Deposit HK$814K · loan HK$1.22M · min. income ≈ HK$11,828/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$6,191
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,357
−HK$169/mo
Today · 4.125%
HK$6,526
baseline
▲ 0.50% · 4.625%
HK$6,870
+HK$344/mo
Deposit HK$814K · loan HK$1.22M · min. income ≈ HK$13,052/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$6,493
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,695
−HK$205/mo
Today · 4.125%
HK$6,900
baseline
▲ 0.50% · 4.625%
HK$7,320
+HK$420/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$13,800/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$7,223
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,417
−HK$196/mo
Today · 4.125%
HK$7,613
baseline
▲ 0.50% · 4.625%
HK$8,014
+HK$401/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$15,226/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$8,348
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,607
−HK$264/mo
Today · 4.125%
HK$8,871
baseline
▲ 0.50% · 4.625%
HK$9,411
+HK$540/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,742/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$9,287
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,536
−HK$252/mo
Today · 4.125%
HK$9,788
baseline
▲ 0.50% · 4.625%
HK$10,304
+HK$516/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,576/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).