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$4,645
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,789
−HK$147/mo
Today · 4.125%
HK$4,936
baseline
▲ 0.50% · 4.625%
HK$5,236
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,872/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$5,167
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,306
−HK$140/mo
Today · 4.125%
HK$5,446
baseline
▲ 0.50% · 4.625%
HK$5,733
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,892/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$5,574
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,747
−HK$176/mo
Today · 4.125%
HK$5,923
baseline
▲ 0.50% · 4.625%
HK$6,284
+HK$361/mo
Deposit HK$815K · loan HK$1.22M · min. income ≈ HK$11,846/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,201
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,367
−HK$169/mo
Today · 4.125%
HK$6,536
baseline
▲ 0.50% · 4.625%
HK$6,880
+HK$344/mo
Deposit HK$815K · loan HK$1.22M · min. income ≈ HK$13,072/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,503
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,705
−HK$205/mo
Today · 4.125%
HK$6,910
baseline
▲ 0.50% · 4.625%
HK$7,331
+HK$421/mo
Deposit HK$611K · loan HK$1.43M · min. income ≈ HK$13,820/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$7,234
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,428
−HK$197/mo
Today · 4.125%
HK$7,625
baseline
▲ 0.50% · 4.625%
HK$8,027
+HK$402/mo
Deposit HK$611K · loan HK$1.43M · min. income ≈ HK$15,250/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$8,361
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,621
−HK$264/mo
Today · 4.125%
HK$8,885
baseline
▲ 0.50% · 4.625%
HK$9,425
+HK$540/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$17,770/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$9,301
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,550
−HK$254/mo
Today · 4.125%
HK$9,804
baseline
▲ 0.50% · 4.625%
HK$10,320
+HK$516/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$19,608/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).