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$4,604
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,748
−HK$145/mo
Today · 4.125%
HK$4,893
baseline
▲ 0.50% · 4.625%
HK$5,191
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,786/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$5,122
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,260
−HK$139/mo
Today · 4.125%
HK$5,399
baseline
▲ 0.50% · 4.625%
HK$5,684
+HK$285/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,798/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$5,525
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,697
−HK$175/mo
Today · 4.125%
HK$5,872
baseline
▲ 0.50% · 4.625%
HK$6,229
+HK$357/mo
Deposit HK$808K · loan HK$1.21M · min. income ≈ HK$11,744/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$6,147
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,312
−HK$167/mo
Today · 4.125%
HK$6,479
baseline
▲ 0.50% · 4.625%
HK$6,820
+HK$341/mo
Deposit HK$808K · loan HK$1.21M · min. income ≈ HK$12,958/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$6,446
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,647
−HK$203/mo
Today · 4.125%
HK$6,850
baseline
▲ 0.50% · 4.625%
HK$7,267
+HK$417/mo
Deposit HK$606K · loan HK$1.41M · min. income ≈ HK$13,700/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$7,171
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,364
−HK$195/mo
Today · 4.125%
HK$7,559
baseline
▲ 0.50% · 4.625%
HK$7,957
+HK$398/mo
Deposit HK$606K · loan HK$1.41M · min. income ≈ HK$15,118/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$8,288
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,546
−HK$262/mo
Today · 4.125%
HK$8,808
baseline
▲ 0.50% · 4.625%
HK$9,344
+HK$536/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,616/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$9,220
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,468
−HK$250/mo
Today · 4.125%
HK$9,718
baseline
▲ 0.50% · 4.625%
HK$10,231
+HK$513/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,436/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).