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$4,641
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,786
−HK$146/mo
Today · 4.125%
HK$4,932
baseline
▲ 0.50% · 4.625%
HK$5,233
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,864/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$5,163
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,302
−HK$140/mo
Today · 4.125%
HK$5,442
baseline
▲ 0.50% · 4.625%
HK$5,729
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,884/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$5,570
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,743
−HK$176/mo
Today · 4.125%
HK$5,919
baseline
▲ 0.50% · 4.625%
HK$6,279
+HK$360/mo
Deposit HK$814K · loan HK$1.22M · min. income ≈ HK$11,838/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,196
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,362
−HK$169/mo
Today · 4.125%
HK$6,531
baseline
▲ 0.50% · 4.625%
HK$6,875
+HK$344/mo
Deposit HK$814K · loan HK$1.22M · min. income ≈ HK$13,062/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,498
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,700
−HK$205/mo
Today · 4.125%
HK$6,905
baseline
▲ 0.50% · 4.625%
HK$7,326
+HK$421/mo
Deposit HK$611K · loan HK$1.42M · min. income ≈ HK$13,810/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,229
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,423
−HK$196/mo
Today · 4.125%
HK$7,619
baseline
▲ 0.50% · 4.625%
HK$8,021
+HK$402/mo
Deposit HK$611K · loan HK$1.42M · min. income ≈ HK$15,238/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,354
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,614
−HK$264/mo
Today · 4.125%
HK$8,878
baseline
▲ 0.50% · 4.625%
HK$9,419
+HK$541/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$17,756/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$9,294
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,543
−HK$253/mo
Today · 4.125%
HK$9,796
baseline
▲ 0.50% · 4.625%
HK$10,313
+HK$517/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$19,592/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).