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$4,599
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,742
−HK$145/mo
Today · 4.125%
HK$4,887
baseline
▲ 0.50% · 4.625%
HK$5,185
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,774/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$5,116
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,253
−HK$140/mo
Today · 4.125%
HK$5,393
baseline
▲ 0.50% · 4.625%
HK$5,677
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,786/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$5,519
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,690
−HK$175/mo
Today · 4.125%
HK$5,865
baseline
▲ 0.50% · 4.625%
HK$6,221
+HK$356/mo
Deposit HK$807K · loan HK$1.21M · min. income ≈ HK$11,730/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,139
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,304
−HK$167/mo
Today · 4.125%
HK$6,471
baseline
▲ 0.50% · 4.625%
HK$6,812
+HK$341/mo
Deposit HK$807K · loan HK$1.21M · min. income ≈ HK$12,942/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,438
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,639
−HK$203/mo
Today · 4.125%
HK$6,842
baseline
▲ 0.50% · 4.625%
HK$7,258
+HK$416/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$13,684/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,163
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,355
−HK$195/mo
Today · 4.125%
HK$7,550
baseline
▲ 0.50% · 4.625%
HK$7,947
+HK$397/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$15,100/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,278
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,535
−HK$262/mo
Today · 4.125%
HK$8,797
baseline
▲ 0.50% · 4.625%
HK$9,332
+HK$535/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,594/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$9,209
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,456
−HK$251/mo
Today · 4.125%
HK$9,707
baseline
▲ 0.50% · 4.625%
HK$10,218
+HK$511/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,414/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).