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$4,634
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,778
−HK$147/mo
Today · 4.125%
HK$4,925
baseline
▲ 0.50% · 4.625%
HK$5,224
+HK$299/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,850/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$5,155
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,294
−HK$140/mo
Today · 4.125%
HK$5,434
baseline
▲ 0.50% · 4.625%
HK$5,720
+HK$286/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,868/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$5,561
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,734
−HK$176/mo
Today · 4.125%
HK$5,910
baseline
▲ 0.50% · 4.625%
HK$6,269
+HK$359/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$11,820/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$6,186
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,352
−HK$169/mo
Today · 4.125%
HK$6,521
baseline
▲ 0.50% · 4.625%
HK$6,864
+HK$343/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$13,042/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$6,488
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,690
−HK$205/mo
Today · 4.125%
HK$6,895
baseline
▲ 0.50% · 4.625%
HK$7,314
+HK$419/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$13,790/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$7,218
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,411
−HK$197/mo
Today · 4.125%
HK$7,608
baseline
▲ 0.50% · 4.625%
HK$8,009
+HK$401/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$15,216/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$8,341
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,601
−HK$263/mo
Today · 4.125%
HK$8,864
baseline
▲ 0.50% · 4.625%
HK$9,404
+HK$540/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,728/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$9,280
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,529
−HK$252/mo
Today · 4.125%
HK$9,781
baseline
▲ 0.50% · 4.625%
HK$10,297
+HK$516/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,562/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).