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$4,649
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,793
−HK$147/mo
Today · 4.125%
HK$4,940
baseline
▲ 0.50% · 4.625%
HK$5,241
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,880/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$5,171
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,310
−HK$141/mo
Today · 4.125%
HK$5,451
baseline
▲ 0.50% · 4.625%
HK$5,738
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,902/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$5,578
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,752
−HK$176/mo
Today · 4.125%
HK$5,928
baseline
▲ 0.50% · 4.625%
HK$6,289
+HK$361/mo
Deposit HK$815K · loan HK$1.22M · min. income ≈ HK$11,856/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,206
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,372
−HK$169/mo
Today · 4.125%
HK$6,541
baseline
▲ 0.50% · 4.625%
HK$6,886
+HK$345/mo
Deposit HK$815K · loan HK$1.22M · min. income ≈ HK$13,082/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,508
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,710
−HK$206/mo
Today · 4.125%
HK$6,916
baseline
▲ 0.50% · 4.625%
HK$7,337
+HK$421/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$13,832/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,240
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,434
−HK$197/mo
Today · 4.125%
HK$7,631
baseline
▲ 0.50% · 4.625%
HK$8,034
+HK$403/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$15,262/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,367
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,628
−HK$264/mo
Today · 4.125%
HK$8,892
baseline
▲ 0.50% · 4.625%
HK$9,433
+HK$541/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$17,784/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$9,309
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,558
−HK$254/mo
Today · 4.125%
HK$9,812
baseline
▲ 0.50% · 4.625%
HK$10,329
+HK$517/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$19,624/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).