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$4,589
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,731
−HK$145/mo
Today · 4.125%
HK$4,876
baseline
▲ 0.50% · 4.625%
HK$5,173
+HK$297/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,752/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$5,105
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,242
−HK$139/mo
Today · 4.125%
HK$5,381
baseline
▲ 0.50% · 4.625%
HK$5,664
+HK$283/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,762/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$5,506
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,678
−HK$174/mo
Today · 4.125%
HK$5,852
baseline
▲ 0.50% · 4.625%
HK$6,208
+HK$356/mo
Deposit HK$805K · loan HK$1.21M · min. income ≈ HK$11,704/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,126
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,290
−HK$167/mo
Today · 4.125%
HK$6,457
baseline
▲ 0.50% · 4.625%
HK$6,797
+HK$340/mo
Deposit HK$805K · loan HK$1.21M · min. income ≈ HK$12,914/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,424
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,624
−HK$203/mo
Today · 4.125%
HK$6,827
baseline
▲ 0.50% · 4.625%
HK$7,242
+HK$415/mo
Deposit HK$604K · loan HK$1.41M · min. income ≈ HK$13,654/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,147
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,338
−HK$195/mo
Today · 4.125%
HK$7,533
baseline
▲ 0.50% · 4.625%
HK$7,930
+HK$397/mo
Deposit HK$604K · loan HK$1.41M · min. income ≈ HK$15,066/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,260
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,516
−HK$261/mo
Today · 4.125%
HK$8,777
baseline
▲ 0.50% · 4.625%
HK$9,312
+HK$535/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,554/mo (50% DSR)
Upfront cash ≈ HK$201K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,189
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,435
−HK$250/mo
Today · 4.125%
HK$9,685
baseline
▲ 0.50% · 4.625%
HK$10,196
+HK$511/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,370/mo (50% DSR)
Upfront cash ≈ HK$201K (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).