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$4,652
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,797
−HK$147/mo
Today · 4.125%
HK$4,944
baseline
▲ 0.50% · 4.625%
HK$5,244
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,888/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$5,175
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,314
−HK$141/mo
Today · 4.125%
HK$5,455
baseline
▲ 0.50% · 4.625%
HK$5,742
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,910/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$5,582
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,756
−HK$176/mo
Today · 4.125%
HK$5,932
baseline
▲ 0.50% · 4.625%
HK$6,293
+HK$361/mo
Deposit HK$816K · loan HK$1.22M · min. income ≈ HK$11,864/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$6,210
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,377
−HK$169/mo
Today · 4.125%
HK$6,546
baseline
▲ 0.50% · 4.625%
HK$6,891
+HK$345/mo
Deposit HK$816K · loan HK$1.22M · min. income ≈ HK$13,092/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$6,513
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,715
−HK$206/mo
Today · 4.125%
HK$6,921
baseline
▲ 0.50% · 4.625%
HK$7,342
+HK$421/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$13,842/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$7,245
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,440
−HK$197/mo
Today · 4.125%
HK$7,637
baseline
▲ 0.50% · 4.625%
HK$8,039
+HK$402/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$15,274/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$8,373
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,634
−HK$264/mo
Today · 4.125%
HK$8,898
baseline
▲ 0.50% · 4.625%
HK$9,440
+HK$542/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,796/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$9,315
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,565
−HK$254/mo
Today · 4.125%
HK$9,819
baseline
▲ 0.50% · 4.625%
HK$10,336
+HK$517/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,638/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).