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$4,597
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,740
−HK$146/mo
Today · 4.125%
HK$4,886
baseline
▲ 0.50% · 4.625%
HK$5,183
+HK$297/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,772/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$5,114
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,252
−HK$139/mo
Today · 4.125%
HK$5,391
baseline
▲ 0.50% · 4.625%
HK$5,675
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,782/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$5,517
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,688
−HK$175/mo
Today · 4.125%
HK$5,863
baseline
▲ 0.50% · 4.625%
HK$6,219
+HK$356/mo
Deposit HK$806K · loan HK$1.21M · min. income ≈ HK$11,726/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$6,137
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,302
−HK$167/mo
Today · 4.125%
HK$6,469
baseline
▲ 0.50% · 4.625%
HK$6,810
+HK$341/mo
Deposit HK$806K · loan HK$1.21M · min. income ≈ HK$12,938/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$6,436
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,636
−HK$204/mo
Today · 4.125%
HK$6,840
baseline
▲ 0.50% · 4.625%
HK$7,256
+HK$416/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$13,680/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$7,160
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,352
−HK$195/mo
Today · 4.125%
HK$7,547
baseline
▲ 0.50% · 4.625%
HK$7,945
+HK$398/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$15,094/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$8,275
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,533
−HK$261/mo
Today · 4.125%
HK$8,794
baseline
▲ 0.50% · 4.625%
HK$9,329
+HK$535/mo
Deposit HK$202K · loan HK$1.81M · min. income ≈ HK$17,588/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$9,206
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,453
−HK$250/mo
Today · 4.125%
HK$9,703
baseline
▲ 0.50% · 4.625%
HK$10,215
+HK$512/mo
Deposit HK$202K · loan HK$1.81M · min. income ≈ HK$19,406/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).