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$4,601
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,745
−HK$145/mo
Today · 4.125%
HK$4,890
baseline
▲ 0.50% · 4.625%
HK$5,188
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,780/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$5,119
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,256
−HK$140/mo
Today · 4.125%
HK$5,396
baseline
▲ 0.50% · 4.625%
HK$5,680
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,792/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$5,522
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,693
−HK$175/mo
Today · 4.125%
HK$5,868
baseline
▲ 0.50% · 4.625%
HK$6,225
+HK$357/mo
Deposit HK$807K · loan HK$1.21M · min. income ≈ HK$11,736/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$6,143
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,308
−HK$167/mo
Today · 4.125%
HK$6,475
baseline
▲ 0.50% · 4.625%
HK$6,816
+HK$341/mo
Deposit HK$807K · loan HK$1.21M · min. income ≈ HK$12,950/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$6,442
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,642
−HK$204/mo
Today · 4.125%
HK$6,846
baseline
▲ 0.50% · 4.625%
HK$7,263
+HK$417/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$13,692/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$7,167
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,359
−HK$195/mo
Today · 4.125%
HK$7,554
baseline
▲ 0.50% · 4.625%
HK$7,952
+HK$398/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$15,108/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$8,283
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,540
−HK$262/mo
Today · 4.125%
HK$8,802
baseline
▲ 0.50% · 4.625%
HK$9,338
+HK$536/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,604/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$9,214
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,461
−HK$251/mo
Today · 4.125%
HK$9,712
baseline
▲ 0.50% · 4.625%
HK$10,224
+HK$512/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,424/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).