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$4,673
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,819
−HK$147/mo
Today · 4.125%
HK$4,966
baseline
▲ 0.50% · 4.625%
HK$5,268
+HK$302/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,932/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$5,199
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,338
−HK$142/mo
Today · 4.125%
HK$5,480
baseline
▲ 0.50% · 4.625%
HK$5,769
+HK$289/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,960/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$5,608
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,782
−HK$178/mo
Today · 4.125%
HK$5,960
baseline
▲ 0.50% · 4.625%
HK$6,322
+HK$362/mo
Deposit HK$820K · loan HK$1.23M · min. income ≈ HK$11,920/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,239
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,406
−HK$170/mo
Today · 4.125%
HK$6,576
baseline
▲ 0.50% · 4.625%
HK$6,922
+HK$346/mo
Deposit HK$820K · loan HK$1.23M · min. income ≈ HK$13,152/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,543
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,746
−HK$207/mo
Today · 4.125%
HK$6,953
baseline
▲ 0.50% · 4.625%
HK$7,376
+HK$423/mo
Deposit HK$615K · loan HK$1.43M · min. income ≈ HK$13,906/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,278
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,474
−HK$198/mo
Today · 4.125%
HK$7,672
baseline
▲ 0.50% · 4.625%
HK$8,076
+HK$404/mo
Deposit HK$615K · loan HK$1.43M · min. income ≈ HK$15,344/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,412
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,673
−HK$266/mo
Today · 4.125%
HK$8,939
baseline
▲ 0.50% · 4.625%
HK$9,483
+HK$544/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,878/mo (50% DSR)
Upfront cash ≈ HK$205K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,358
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,609
−HK$255/mo
Today · 4.125%
HK$9,864
baseline
▲ 0.50% · 4.625%
HK$10,384
+HK$520/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,728/mo (50% DSR)
Upfront cash ≈ HK$205K (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).