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$4,611
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,755
−HK$146/mo
Today · 4.125%
HK$4,901
baseline
▲ 0.50% · 4.625%
HK$5,199
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,802/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$5,130
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,268
−HK$139/mo
Today · 4.125%
HK$5,407
baseline
▲ 0.50% · 4.625%
HK$5,692
+HK$285/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,814/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$5,534
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,706
−HK$175/mo
Today · 4.125%
HK$5,881
baseline
▲ 0.50% · 4.625%
HK$6,238
+HK$357/mo
Deposit HK$809K · loan HK$1.21M · min. income ≈ HK$11,762/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$6,156
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,321
−HK$168/mo
Today · 4.125%
HK$6,489
baseline
▲ 0.50% · 4.625%
HK$6,831
+HK$342/mo
Deposit HK$809K · loan HK$1.21M · min. income ≈ HK$12,978/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$6,456
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,657
−HK$204/mo
Today · 4.125%
HK$6,861
baseline
▲ 0.50% · 4.625%
HK$7,278
+HK$417/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$13,722/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$7,182
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,375
−HK$195/mo
Today · 4.125%
HK$7,570
baseline
▲ 0.50% · 4.625%
HK$7,969
+HK$399/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$15,140/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$8,300
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,559
−HK$262/mo
Today · 4.125%
HK$8,821
baseline
▲ 0.50% · 4.625%
HK$9,358
+HK$537/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,642/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$9,234
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,482
−HK$251/mo
Today · 4.125%
HK$9,733
baseline
▲ 0.50% · 4.625%
HK$10,246
+HK$513/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,466/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).