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$4,608
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,751
−HK$146/mo
Today · 4.125%
HK$4,897
baseline
▲ 0.50% · 4.625%
HK$5,195
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,794/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$5,126
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,264
−HK$139/mo
Today · 4.125%
HK$5,403
baseline
▲ 0.50% · 4.625%
HK$5,688
+HK$285/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,806/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$5,530
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,702
−HK$175/mo
Today · 4.125%
HK$5,877
baseline
▲ 0.50% · 4.625%
HK$6,234
+HK$357/mo
Deposit HK$808K · loan HK$1.21M · min. income ≈ HK$11,754/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,152
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,317
−HK$167/mo
Today · 4.125%
HK$6,484
baseline
▲ 0.50% · 4.625%
HK$6,826
+HK$342/mo
Deposit HK$808K · loan HK$1.21M · min. income ≈ HK$12,968/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,451
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,652
−HK$204/mo
Today · 4.125%
HK$6,856
baseline
▲ 0.50% · 4.625%
HK$7,273
+HK$417/mo
Deposit HK$606K · loan HK$1.41M · min. income ≈ HK$13,712/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,177
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,370
−HK$195/mo
Today · 4.125%
HK$7,565
baseline
▲ 0.50% · 4.625%
HK$7,964
+HK$399/mo
Deposit HK$606K · loan HK$1.41M · min. income ≈ HK$15,130/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,295
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,553
−HK$262/mo
Today · 4.125%
HK$8,815
baseline
▲ 0.50% · 4.625%
HK$9,351
+HK$536/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,630/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$9,228
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,475
−HK$251/mo
Today · 4.125%
HK$9,726
baseline
▲ 0.50% · 4.625%
HK$10,239
+HK$513/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,452/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).