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$4,674
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,819
−HK$148/mo
Today · 4.125%
HK$4,967
baseline
▲ 0.50% · 4.625%
HK$5,269
+HK$302/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,934/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$5,200
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,339
−HK$142/mo
Today · 4.125%
HK$5,481
baseline
▲ 0.50% · 4.625%
HK$5,770
+HK$289/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,962/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$5,609
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,783
−HK$178/mo
Today · 4.125%
HK$5,961
baseline
▲ 0.50% · 4.625%
HK$6,323
+HK$362/mo
Deposit HK$820K · loan HK$1.23M · min. income ≈ HK$11,922/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,240
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,407
−HK$170/mo
Today · 4.125%
HK$6,577
baseline
▲ 0.50% · 4.625%
HK$6,924
+HK$347/mo
Deposit HK$820K · loan HK$1.23M · min. income ≈ HK$13,154/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,544
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,747
−HK$207/mo
Today · 4.125%
HK$6,954
baseline
▲ 0.50% · 4.625%
HK$7,377
+HK$423/mo
Deposit HK$615K · loan HK$1.43M · min. income ≈ HK$13,908/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,280
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,475
−HK$198/mo
Today · 4.125%
HK$7,673
baseline
▲ 0.50% · 4.625%
HK$8,078
+HK$405/mo
Deposit HK$615K · loan HK$1.43M · min. income ≈ HK$15,346/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,413
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,675
−HK$266/mo
Today · 4.125%
HK$8,941
baseline
▲ 0.50% · 4.625%
HK$9,485
+HK$544/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,882/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$9,360
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,611
−HK$254/mo
Today · 4.125%
HK$9,865
baseline
▲ 0.50% · 4.625%
HK$10,385
+HK$520/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,730/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).