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$4,600
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,743
−HK$146/mo
Today · 4.125%
HK$4,889
baseline
▲ 0.50% · 4.625%
HK$5,186
+HK$297/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,778/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$5,118
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,255
−HK$139/mo
Today · 4.125%
HK$5,394
baseline
▲ 0.50% · 4.625%
HK$5,678
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,788/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$5,520
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,692
−HK$174/mo
Today · 4.125%
HK$5,866
baseline
▲ 0.50% · 4.625%
HK$6,223
+HK$357/mo
Deposit HK$807K · loan HK$1.21M · min. income ≈ HK$11,732/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$6,141
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,306
−HK$167/mo
Today · 4.125%
HK$6,473
baseline
▲ 0.50% · 4.625%
HK$6,814
+HK$341/mo
Deposit HK$807K · loan HK$1.21M · min. income ≈ HK$12,946/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$6,440
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,640
−HK$204/mo
Today · 4.125%
HK$6,844
baseline
▲ 0.50% · 4.625%
HK$7,260
+HK$416/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$13,688/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$7,165
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,357
−HK$195/mo
Today · 4.125%
HK$7,552
baseline
▲ 0.50% · 4.625%
HK$7,950
+HK$398/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$15,104/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$8,280
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,538
−HK$261/mo
Today · 4.125%
HK$8,799
baseline
▲ 0.50% · 4.625%
HK$9,335
+HK$536/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,598/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$9,212
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,459
−HK$250/mo
Today · 4.125%
HK$9,709
baseline
▲ 0.50% · 4.625%
HK$10,221
+HK$512/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,418/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).