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$4,616
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,759
−HK$146/mo
Today · 4.125%
HK$4,905
baseline
▲ 0.50% · 4.625%
HK$5,204
+HK$299/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,810/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$5,135
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,273
−HK$139/mo
Today · 4.125%
HK$5,412
baseline
▲ 0.50% · 4.625%
HK$5,698
+HK$286/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,824/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$5,539
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,711
−HK$175/mo
Today · 4.125%
HK$5,886
baseline
▲ 0.50% · 4.625%
HK$6,244
+HK$358/mo
Deposit HK$810K · loan HK$1.21M · min. income ≈ HK$11,772/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$6,162
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,327
−HK$168/mo
Today · 4.125%
HK$6,495
baseline
▲ 0.50% · 4.625%
HK$6,837
+HK$342/mo
Deposit HK$810K · loan HK$1.21M · min. income ≈ HK$12,990/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$6,462
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,663
−HK$204/mo
Today · 4.125%
HK$6,867
baseline
▲ 0.50% · 4.625%
HK$7,285
+HK$418/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$13,734/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$7,189
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,382
−HK$195/mo
Today · 4.125%
HK$7,577
baseline
▲ 0.50% · 4.625%
HK$7,977
+HK$400/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$15,154/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$8,308
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,567
−HK$262/mo
Today · 4.125%
HK$8,829
baseline
▲ 0.50% · 4.625%
HK$9,366
+HK$537/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,658/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$9,243
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,491
−HK$251/mo
Today · 4.125%
HK$9,742
baseline
▲ 0.50% · 4.625%
HK$10,256
+HK$514/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,484/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).