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$4,621
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,765
−HK$146/mo
Today · 4.125%
HK$4,911
baseline
▲ 0.50% · 4.625%
HK$5,210
+HK$299/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,822/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$5,141
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,279
−HK$140/mo
Today · 4.125%
HK$5,419
baseline
▲ 0.50% · 4.625%
HK$5,704
+HK$285/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,838/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$5,545
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,718
−HK$175/mo
Today · 4.125%
HK$5,893
baseline
▲ 0.50% · 4.625%
HK$6,251
+HK$358/mo
Deposit HK$811K · loan HK$1.22M · min. income ≈ HK$11,786/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,169
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,334
−HK$168/mo
Today · 4.125%
HK$6,502
baseline
▲ 0.50% · 4.625%
HK$6,845
+HK$343/mo
Deposit HK$811K · loan HK$1.22M · min. income ≈ HK$13,004/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,469
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,671
−HK$204/mo
Today · 4.125%
HK$6,875
baseline
▲ 0.50% · 4.625%
HK$7,293
+HK$418/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$13,750/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$7,197
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,390
−HK$196/mo
Today · 4.125%
HK$7,586
baseline
▲ 0.50% · 4.625%
HK$7,986
+HK$400/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$15,172/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$8,318
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,576
−HK$263/mo
Today · 4.125%
HK$8,839
baseline
▲ 0.50% · 4.625%
HK$9,377
+HK$538/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$17,678/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$9,253
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,502
−HK$251/mo
Today · 4.125%
HK$9,753
baseline
▲ 0.50% · 4.625%
HK$10,267
+HK$514/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$19,506/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).