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$4,649
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,794
−HK$146/mo
Today · 4.125%
HK$4,940
baseline
▲ 0.50% · 4.625%
HK$5,241
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,880/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$5,172
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,311
−HK$140/mo
Today · 4.125%
HK$5,451
baseline
▲ 0.50% · 4.625%
HK$5,739
+HK$288/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,902/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$5,579
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,752
−HK$177/mo
Today · 4.125%
HK$5,929
baseline
▲ 0.50% · 4.625%
HK$6,289
+HK$360/mo
Deposit HK$816K · loan HK$1.22M · min. income ≈ HK$11,858/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$6,206
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,373
−HK$169/mo
Today · 4.125%
HK$6,542
baseline
▲ 0.50% · 4.625%
HK$6,886
+HK$344/mo
Deposit HK$816K · loan HK$1.22M · min. income ≈ HK$13,084/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$6,508
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,711
−HK$206/mo
Today · 4.125%
HK$6,917
baseline
▲ 0.50% · 4.625%
HK$7,337
+HK$420/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$13,834/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$7,241
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,435
−HK$197/mo
Today · 4.125%
HK$7,632
baseline
▲ 0.50% · 4.625%
HK$8,034
+HK$402/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$15,264/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$8,368
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,628
−HK$265/mo
Today · 4.125%
HK$8,893
baseline
▲ 0.50% · 4.625%
HK$9,434
+HK$541/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$17,786/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$9,309
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,559
−HK$253/mo
Today · 4.125%
HK$9,812
baseline
▲ 0.50% · 4.625%
HK$10,330
+HK$518/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$19,624/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).