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$4,664
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,809
−HK$147/mo
Today · 4.125%
HK$4,956
baseline
▲ 0.50% · 4.625%
HK$5,258
+HK$302/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,912/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$5,189
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,328
−HK$141/mo
Today · 4.125%
HK$5,469
baseline
▲ 0.50% · 4.625%
HK$5,757
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,938/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$5,597
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,771
−HK$177/mo
Today · 4.125%
HK$5,948
baseline
▲ 0.50% · 4.625%
HK$6,310
+HK$362/mo
Deposit HK$818K · loan HK$1.23M · min. income ≈ HK$11,896/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,226
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,393
−HK$170/mo
Today · 4.125%
HK$6,563
baseline
▲ 0.50% · 4.625%
HK$6,909
+HK$346/mo
Deposit HK$818K · loan HK$1.23M · min. income ≈ HK$13,126/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,530
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,733
−HK$206/mo
Today · 4.125%
HK$6,939
baseline
▲ 0.50% · 4.625%
HK$7,361
+HK$422/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$13,878/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,264
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,459
−HK$198/mo
Today · 4.125%
HK$7,657
baseline
▲ 0.50% · 4.625%
HK$8,060
+HK$403/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$15,314/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,395
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,656
−HK$266/mo
Today · 4.125%
HK$8,922
baseline
▲ 0.50% · 4.625%
HK$9,464
+HK$542/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,844/mo (50% DSR)
Upfront cash ≈ HK$205K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,340
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,590
−HK$254/mo
Today · 4.125%
HK$9,844
baseline
▲ 0.50% · 4.625%
HK$10,363
+HK$519/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,688/mo (50% DSR)
Upfront cash ≈ HK$205K (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).