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$4,665
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,810
−HK$148/mo
Today · 4.125%
HK$4,958
baseline
▲ 0.50% · 4.625%
HK$5,259
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,916/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$5,190
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,329
−HK$141/mo
Today · 4.125%
HK$5,470
baseline
▲ 0.50% · 4.625%
HK$5,759
+HK$289/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,940/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$5,598
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,772
−HK$177/mo
Today · 4.125%
HK$5,949
baseline
▲ 0.50% · 4.625%
HK$6,311
+HK$362/mo
Deposit HK$818K · loan HK$1.23M · min. income ≈ HK$11,898/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$6,228
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,395
−HK$169/mo
Today · 4.125%
HK$6,564
baseline
▲ 0.50% · 4.625%
HK$6,910
+HK$346/mo
Deposit HK$818K · loan HK$1.23M · min. income ≈ HK$13,128/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$6,531
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,734
−HK$207/mo
Today · 4.125%
HK$6,941
baseline
▲ 0.50% · 4.625%
HK$7,363
+HK$422/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$13,882/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,266
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,461
−HK$197/mo
Today · 4.125%
HK$7,658
baseline
▲ 0.50% · 4.625%
HK$8,062
+HK$404/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$15,316/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,397
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,658
−HK$266/mo
Today · 4.125%
HK$8,924
baseline
▲ 0.50% · 4.625%
HK$9,467
+HK$543/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,848/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$9,342
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,592
−HK$254/mo
Today · 4.125%
HK$9,846
baseline
▲ 0.50% · 4.625%
HK$10,365
+HK$519/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,692/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).