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$4,651
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,796
−HK$147/mo
Today · 4.125%
HK$4,943
baseline
▲ 0.50% · 4.625%
HK$5,244
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,886/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$5,174
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,313
−HK$141/mo
Today · 4.125%
HK$5,454
baseline
▲ 0.50% · 4.625%
HK$5,741
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,908/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$5,581
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,755
−HK$176/mo
Today · 4.125%
HK$5,931
baseline
▲ 0.50% · 4.625%
HK$6,292
+HK$361/mo
Deposit HK$816K · loan HK$1.22M · min. income ≈ HK$11,862/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$6,209
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,376
−HK$169/mo
Today · 4.125%
HK$6,545
baseline
▲ 0.50% · 4.625%
HK$6,890
+HK$345/mo
Deposit HK$816K · loan HK$1.22M · min. income ≈ HK$13,090/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$6,512
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,714
−HK$206/mo
Today · 4.125%
HK$6,920
baseline
▲ 0.50% · 4.625%
HK$7,341
+HK$421/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$13,840/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$7,244
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,438
−HK$197/mo
Today · 4.125%
HK$7,635
baseline
▲ 0.50% · 4.625%
HK$8,038
+HK$403/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$15,270/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$8,372
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,632
−HK$265/mo
Today · 4.125%
HK$8,897
baseline
▲ 0.50% · 4.625%
HK$9,438
+HK$541/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,794/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$9,314
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,564
−HK$253/mo
Today · 4.125%
HK$9,817
baseline
▲ 0.50% · 4.625%
HK$10,334
+HK$517/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,634/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).