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$4,607
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,750
−HK$146/mo
Today · 4.125%
HK$4,896
baseline
▲ 0.50% · 4.625%
HK$5,194
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,792/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$5,125
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,263
−HK$139/mo
Today · 4.125%
HK$5,402
baseline
▲ 0.50% · 4.625%
HK$5,687
+HK$285/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,804/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$5,528
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,700
−HK$175/mo
Today · 4.125%
HK$5,875
baseline
▲ 0.50% · 4.625%
HK$6,232
+HK$357/mo
Deposit HK$808K · loan HK$1.21M · min. income ≈ HK$11,750/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$6,150
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,315
−HK$167/mo
Today · 4.125%
HK$6,482
baseline
▲ 0.50% · 4.625%
HK$6,824
+HK$342/mo
Deposit HK$808K · loan HK$1.21M · min. income ≈ HK$12,964/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$6,450
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,650
−HK$204/mo
Today · 4.125%
HK$6,854
baseline
▲ 0.50% · 4.625%
HK$7,271
+HK$417/mo
Deposit HK$606K · loan HK$1.41M · min. income ≈ HK$13,708/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$7,175
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,368
−HK$195/mo
Today · 4.125%
HK$7,563
baseline
▲ 0.50% · 4.625%
HK$7,961
+HK$398/mo
Deposit HK$606K · loan HK$1.41M · min. income ≈ HK$15,126/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$8,292
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,550
−HK$262/mo
Today · 4.125%
HK$8,812
baseline
▲ 0.50% · 4.625%
HK$9,349
+HK$537/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,624/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$9,225
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,473
−HK$251/mo
Today · 4.125%
HK$9,724
baseline
▲ 0.50% · 4.625%
HK$10,236
+HK$512/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,448/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).