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$4,660
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,805
−HK$147/mo
Today · 4.125%
HK$4,952
baseline
▲ 0.50% · 4.625%
HK$5,253
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,904/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$5,184
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,323
−HK$141/mo
Today · 4.125%
HK$5,464
baseline
▲ 0.50% · 4.625%
HK$5,752
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,928/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$5,591
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,765
−HK$177/mo
Today · 4.125%
HK$5,942
baseline
▲ 0.50% · 4.625%
HK$6,304
+HK$362/mo
Deposit HK$817K · loan HK$1.23M · min. income ≈ HK$11,884/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,220
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,387
−HK$170/mo
Today · 4.125%
HK$6,557
baseline
▲ 0.50% · 4.625%
HK$6,902
+HK$345/mo
Deposit HK$817K · loan HK$1.23M · min. income ≈ HK$13,114/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,523
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,726
−HK$206/mo
Today · 4.125%
HK$6,932
baseline
▲ 0.50% · 4.625%
HK$7,354
+HK$422/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$13,864/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,257
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,452
−HK$197/mo
Today · 4.125%
HK$7,649
baseline
▲ 0.50% · 4.625%
HK$8,053
+HK$404/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$15,298/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,387
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,648
−HK$265/mo
Today · 4.125%
HK$8,913
baseline
▲ 0.50% · 4.625%
HK$9,456
+HK$543/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,826/mo (50% DSR)
Upfront cash ≈ HK$204K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,331
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,581
−HK$254/mo
Today · 4.125%
HK$9,835
baseline
▲ 0.50% · 4.625%
HK$10,353
+HK$518/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,670/mo (50% DSR)
Upfront cash ≈ HK$204K (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).