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$4,639
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,783
−HK$147/mo
Today · 4.125%
HK$4,930
baseline
▲ 0.50% · 4.625%
HK$5,230
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,860/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$5,161
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,299
−HK$141/mo
Today · 4.125%
HK$5,440
baseline
▲ 0.50% · 4.625%
HK$5,727
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,880/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$5,567
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,740
−HK$176/mo
Today · 4.125%
HK$5,916
baseline
▲ 0.50% · 4.625%
HK$6,276
+HK$360/mo
Deposit HK$814K · loan HK$1.22M · min. income ≈ HK$11,832/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$6,193
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,359
−HK$169/mo
Today · 4.125%
HK$6,528
baseline
▲ 0.50% · 4.625%
HK$6,872
+HK$344/mo
Deposit HK$814K · loan HK$1.22M · min. income ≈ HK$13,056/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$6,495
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,697
−HK$205/mo
Today · 4.125%
HK$6,902
baseline
▲ 0.50% · 4.625%
HK$7,322
+HK$420/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$13,804/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,225
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,419
−HK$197/mo
Today · 4.125%
HK$7,616
baseline
▲ 0.50% · 4.625%
HK$8,017
+HK$401/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$15,232/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,351
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,610
−HK$264/mo
Today · 4.125%
HK$8,874
baseline
▲ 0.50% · 4.625%
HK$9,414
+HK$540/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,748/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$9,290
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,539
−HK$253/mo
Today · 4.125%
HK$9,792
baseline
▲ 0.50% · 4.625%
HK$10,308
+HK$516/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,584/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).