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$4,642
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,786
−HK$147/mo
Today · 4.125%
HK$4,933
baseline
▲ 0.50% · 4.625%
HK$5,233
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,866/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$5,164
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,303
−HK$140/mo
Today · 4.125%
HK$5,443
baseline
▲ 0.50% · 4.625%
HK$5,730
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,886/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$5,570
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,744
−HK$176/mo
Today · 4.125%
HK$5,920
baseline
▲ 0.50% · 4.625%
HK$6,280
+HK$360/mo
Deposit HK$814K · loan HK$1.22M · min. income ≈ HK$11,840/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,197
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,363
−HK$169/mo
Today · 4.125%
HK$6,532
baseline
▲ 0.50% · 4.625%
HK$6,876
+HK$344/mo
Deposit HK$814K · loan HK$1.22M · min. income ≈ HK$13,064/mo (50% DSR)
Upfront cash ≈ HK$814K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,499
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,701
−HK$205/mo
Today · 4.125%
HK$6,906
baseline
▲ 0.50% · 4.625%
HK$7,327
+HK$421/mo
Deposit HK$611K · loan HK$1.43M · min. income ≈ HK$13,812/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,230
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,424
−HK$196/mo
Today · 4.125%
HK$7,620
baseline
▲ 0.50% · 4.625%
HK$8,022
+HK$402/mo
Deposit HK$611K · loan HK$1.43M · min. income ≈ HK$15,240/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,356
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,615
−HK$265/mo
Today · 4.125%
HK$8,880
baseline
▲ 0.50% · 4.625%
HK$9,420
+HK$540/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$17,760/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$9,295
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,545
−HK$253/mo
Today · 4.125%
HK$9,798
baseline
▲ 0.50% · 4.625%
HK$10,314
+HK$516/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$19,596/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).