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$4,617
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,761
−HK$146/mo
Today · 4.125%
HK$4,907
baseline
▲ 0.50% · 4.625%
HK$5,205
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,814/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$5,137
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,274
−HK$140/mo
Today · 4.125%
HK$5,414
baseline
▲ 0.50% · 4.625%
HK$5,700
+HK$286/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,828/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$5,541
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,713
−HK$175/mo
Today · 4.125%
HK$5,888
baseline
▲ 0.50% · 4.625%
HK$6,246
+HK$358/mo
Deposit HK$810K · loan HK$1.21M · min. income ≈ HK$11,776/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,164
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,329
−HK$168/mo
Today · 4.125%
HK$6,497
baseline
▲ 0.50% · 4.625%
HK$6,839
+HK$342/mo
Deposit HK$810K · loan HK$1.21M · min. income ≈ HK$12,994/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,464
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,665
−HK$205/mo
Today · 4.125%
HK$6,870
baseline
▲ 0.50% · 4.625%
HK$7,288
+HK$418/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$13,740/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,191
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,384
−HK$196/mo
Today · 4.125%
HK$7,580
baseline
▲ 0.50% · 4.625%
HK$7,979
+HK$399/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$15,160/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,311
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,570
−HK$262/mo
Today · 4.125%
HK$8,832
baseline
▲ 0.50% · 4.625%
HK$9,370
+HK$538/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,664/mo (50% DSR)
Upfront cash ≈ HK$203K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,246
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,494
−HK$252/mo
Today · 4.125%
HK$9,746
baseline
▲ 0.50% · 4.625%
HK$10,259
+HK$513/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,492/mo (50% DSR)
Upfront cash ≈ HK$203K (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).