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$4,613
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,756
−HK$146/mo
Today · 4.125%
HK$4,902
baseline
▲ 0.50% · 4.625%
HK$5,200
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,804/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$5,132
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,269
−HK$140/mo
Today · 4.125%
HK$5,409
baseline
▲ 0.50% · 4.625%
HK$5,694
+HK$285/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,818/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$5,535
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,708
−HK$174/mo
Today · 4.125%
HK$5,882
baseline
▲ 0.50% · 4.625%
HK$6,240
+HK$358/mo
Deposit HK$809K · loan HK$1.21M · min. income ≈ HK$11,764/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,158
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,323
−HK$168/mo
Today · 4.125%
HK$6,491
baseline
▲ 0.50% · 4.625%
HK$6,833
+HK$342/mo
Deposit HK$809K · loan HK$1.21M · min. income ≈ HK$12,982/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,458
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,659
−HK$204/mo
Today · 4.125%
HK$6,863
baseline
▲ 0.50% · 4.625%
HK$7,280
+HK$417/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$13,726/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,184
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,377
−HK$195/mo
Today · 4.125%
HK$7,572
baseline
▲ 0.50% · 4.625%
HK$7,972
+HK$400/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$15,144/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,303
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,561
−HK$263/mo
Today · 4.125%
HK$8,824
baseline
▲ 0.50% · 4.625%
HK$9,361
+HK$537/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,648/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$9,237
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,485
−HK$251/mo
Today · 4.125%
HK$9,736
baseline
▲ 0.50% · 4.625%
HK$10,249
+HK$513/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,472/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).