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$4,661
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,806
−HK$147/mo
Today · 4.125%
HK$4,953
baseline
▲ 0.50% · 4.625%
HK$5,255
+HK$302/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,906/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$5,185
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,324
−HK$142/mo
Today · 4.125%
HK$5,466
baseline
▲ 0.50% · 4.625%
HK$5,754
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,932/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$5,593
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,767
−HK$177/mo
Today · 4.125%
HK$5,944
baseline
▲ 0.50% · 4.625%
HK$6,306
+HK$362/mo
Deposit HK$818K · loan HK$1.23M · min. income ≈ HK$11,888/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,222
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,389
−HK$170/mo
Today · 4.125%
HK$6,559
baseline
▲ 0.50% · 4.625%
HK$6,904
+HK$345/mo
Deposit HK$818K · loan HK$1.23M · min. income ≈ HK$13,118/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,525
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,728
−HK$207/mo
Today · 4.125%
HK$6,935
baseline
▲ 0.50% · 4.625%
HK$7,357
+HK$422/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$13,870/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$7,260
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,454
−HK$198/mo
Today · 4.125%
HK$7,652
baseline
▲ 0.50% · 4.625%
HK$8,055
+HK$403/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$15,304/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$8,390
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,651
−HK$265/mo
Today · 4.125%
HK$8,916
baseline
▲ 0.50% · 4.625%
HK$9,459
+HK$543/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,832/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$9,334
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,584
−HK$254/mo
Today · 4.125%
HK$9,838
baseline
▲ 0.50% · 4.625%
HK$10,357
+HK$519/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,676/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).