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$290/mo
▼ 0.25% · 3.875%
HK$4,757
−HK$146/mo
Today · 4.125%
HK$4,903
baseline
▲ 0.50% · 4.625%
HK$5,201
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,806/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$5,270
−HK$139/mo
Today · 4.125%
HK$5,409
baseline
▲ 0.50% · 4.625%
HK$5,695
+HK$286/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$5,536
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,708
−HK$175/mo
Today · 4.125%
HK$5,883
baseline
▲ 0.50% · 4.625%
HK$6,241
+HK$358/mo
Deposit HK$809K · loan HK$1.21M · min. income ≈ HK$11,766/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$6,159
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,324
−HK$167/mo
Today · 4.125%
HK$6,491
baseline
▲ 0.50% · 4.625%
HK$6,834
+HK$343/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$6,459
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,659
−HK$205/mo
Today · 4.125%
HK$6,864
baseline
▲ 0.50% · 4.625%
HK$7,281
+HK$417/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$13,728/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$7,185
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,378
−HK$195/mo
Today · 4.125%
HK$7,573
baseline
▲ 0.50% · 4.625%
HK$7,972
+HK$399/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$15,146/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$8,304
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,562
−HK$263/mo
Today · 4.125%
HK$8,825
baseline
▲ 0.50% · 4.625%
HK$9,362
+HK$537/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,650/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$9,238
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,486
−HK$251/mo
Today · 4.125%
HK$9,737
baseline
▲ 0.50% · 4.625%
HK$10,250
+HK$513/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,474/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).