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$4,604
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,747
−HK$146/mo
Today · 4.125%
HK$4,893
baseline
▲ 0.50% · 4.625%
HK$5,190
+HK$297/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,786/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$5,122
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,259
−HK$140/mo
Today · 4.125%
HK$5,399
baseline
▲ 0.50% · 4.625%
HK$5,683
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,798/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$5,525
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,697
−HK$174/mo
Today · 4.125%
HK$5,871
baseline
▲ 0.50% · 4.625%
HK$6,228
+HK$357/mo
Deposit HK$808K · loan HK$1.21M · min. income ≈ HK$11,742/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,146
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,311
−HK$167/mo
Today · 4.125%
HK$6,478
baseline
▲ 0.50% · 4.625%
HK$6,820
+HK$342/mo
Deposit HK$808K · loan HK$1.21M · min. income ≈ HK$12,956/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,445
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,646
−HK$204/mo
Today · 4.125%
HK$6,850
baseline
▲ 0.50% · 4.625%
HK$7,266
+HK$416/mo
Deposit HK$606K · loan HK$1.41M · min. income ≈ HK$13,700/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,171
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,363
−HK$195/mo
Today · 4.125%
HK$7,558
baseline
▲ 0.50% · 4.625%
HK$7,956
+HK$398/mo
Deposit HK$606K · loan HK$1.41M · min. income ≈ HK$15,116/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,287
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,545
−HK$262/mo
Today · 4.125%
HK$8,807
baseline
▲ 0.50% · 4.625%
HK$9,343
+HK$536/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,614/mo (50% DSR)
Upfront cash ≈ HK$202K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,219
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,467
−HK$250/mo
Today · 4.125%
HK$9,717
baseline
▲ 0.50% · 4.625%
HK$10,230
+HK$513/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,434/mo (50% DSR)
Upfront cash ≈ HK$202K (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).