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$4,620
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,763
−HK$146/mo
Today · 4.125%
HK$4,909
baseline
▲ 0.50% · 4.625%
HK$5,208
+HK$299/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,818/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,139
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,277
−HK$140/mo
Today · 4.125%
HK$5,417
baseline
▲ 0.50% · 4.625%
HK$5,702
+HK$285/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,834/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,543
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,716
−HK$175/mo
Today · 4.125%
HK$5,891
baseline
▲ 0.50% · 4.625%
HK$6,250
+HK$359/mo
Deposit HK$810K · loan HK$1.22M · min. income ≈ HK$11,782/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,167
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,332
−HK$168/mo
Today · 4.125%
HK$6,500
baseline
▲ 0.50% · 4.625%
HK$6,843
+HK$343/mo
Deposit HK$810K · loan HK$1.22M · min. income ≈ HK$13,000/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,467
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,669
−HK$204/mo
Today · 4.125%
HK$6,873
baseline
▲ 0.50% · 4.625%
HK$7,291
+HK$418/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$13,746/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,195
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,388
−HK$196/mo
Today · 4.125%
HK$7,584
baseline
▲ 0.50% · 4.625%
HK$7,983
+HK$399/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$15,168/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,315
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,574
−HK$263/mo
Today · 4.125%
HK$8,837
baseline
▲ 0.50% · 4.625%
HK$9,374
+HK$537/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$17,674/mo (50% DSR)
Upfront cash ≈ HK$203K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,251
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,499
−HK$251/mo
Today · 4.125%
HK$9,750
baseline
▲ 0.50% · 4.625%
HK$10,264
+HK$514/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$19,500/mo (50% DSR)
Upfront cash ≈ HK$203K (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).