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$4,635
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,779
−HK$146/mo
Today · 4.125%
HK$4,925
baseline
▲ 0.50% · 4.625%
HK$5,225
+HK$300/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$5,156
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,294
−HK$141/mo
Today · 4.125%
HK$5,435
baseline
▲ 0.50% · 4.625%
HK$5,721
+HK$286/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,870/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$5,562
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,735
−HK$176/mo
Today · 4.125%
HK$5,911
baseline
▲ 0.50% · 4.625%
HK$6,270
+HK$359/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$11,822/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$6,187
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,353
−HK$169/mo
Today · 4.125%
HK$6,522
baseline
▲ 0.50% · 4.625%
HK$6,865
+HK$343/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$13,044/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$6,489
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,691
−HK$205/mo
Today · 4.125%
HK$6,896
baseline
▲ 0.50% · 4.625%
HK$7,315
+HK$419/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$13,792/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$7,219
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,412
−HK$197/mo
Today · 4.125%
HK$7,609
baseline
▲ 0.50% · 4.625%
HK$8,010
+HK$401/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$15,218/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$8,343
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,602
−HK$264/mo
Today · 4.125%
HK$8,866
baseline
▲ 0.50% · 4.625%
HK$9,405
+HK$539/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,732/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$9,281
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,530
−HK$252/mo
Today · 4.125%
HK$9,782
baseline
▲ 0.50% · 4.625%
HK$10,298
+HK$516/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,564/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).