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$4,656
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,801
−HK$147/mo
Today · 4.125%
HK$4,948
baseline
▲ 0.50% · 4.625%
HK$5,249
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,896/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$5,180
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,319
−HK$141/mo
Today · 4.125%
HK$5,460
baseline
▲ 0.50% · 4.625%
HK$5,748
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,920/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$5,587
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,761
−HK$177/mo
Today · 4.125%
HK$5,938
baseline
▲ 0.50% · 4.625%
HK$6,299
+HK$361/mo
Deposit HK$817K · loan HK$1.23M · min. income ≈ HK$11,876/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,216
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,383
−HK$169/mo
Today · 4.125%
HK$6,552
baseline
▲ 0.50% · 4.625%
HK$6,897
+HK$345/mo
Deposit HK$817K · loan HK$1.23M · min. income ≈ HK$13,104/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,519
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,721
−HK$206/mo
Today · 4.125%
HK$6,927
baseline
▲ 0.50% · 4.625%
HK$7,349
+HK$422/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$13,854/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,252
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,446
−HK$198/mo
Today · 4.125%
HK$7,644
baseline
▲ 0.50% · 4.625%
HK$8,047
+HK$403/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$15,288/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,381
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,642
−HK$265/mo
Today · 4.125%
HK$8,907
baseline
▲ 0.50% · 4.625%
HK$9,449
+HK$542/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,814/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$9,324
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,574
−HK$254/mo
Today · 4.125%
HK$9,828
baseline
▲ 0.50% · 4.625%
HK$10,346
+HK$518/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,656/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).