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$4,650
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,794
−HK$147/mo
Today · 4.125%
HK$4,941
baseline
▲ 0.50% · 4.625%
HK$5,242
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,882/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$5,173
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,311
−HK$141/mo
Today · 4.125%
HK$5,452
baseline
▲ 0.50% · 4.625%
HK$5,739
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,904/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$5,579
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,753
−HK$176/mo
Today · 4.125%
HK$5,929
baseline
▲ 0.50% · 4.625%
HK$6,290
+HK$361/mo
Deposit HK$816K · loan HK$1.22M · min. income ≈ HK$11,858/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$6,207
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,374
−HK$168/mo
Today · 4.125%
HK$6,542
baseline
▲ 0.50% · 4.625%
HK$6,887
+HK$345/mo
Deposit HK$816K · loan HK$1.22M · min. income ≈ HK$13,084/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$6,509
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,712
−HK$206/mo
Today · 4.125%
HK$6,918
baseline
▲ 0.50% · 4.625%
HK$7,339
+HK$421/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$13,836/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$7,242
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,436
−HK$197/mo
Today · 4.125%
HK$7,633
baseline
▲ 0.50% · 4.625%
HK$8,035
+HK$402/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$15,266/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$8,369
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,630
−HK$264/mo
Today · 4.125%
HK$8,894
baseline
▲ 0.50% · 4.625%
HK$9,435
+HK$541/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,788/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$9,311
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,560
−HK$254/mo
Today · 4.125%
HK$9,814
baseline
▲ 0.50% · 4.625%
HK$10,331
+HK$517/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,628/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).