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$4,615
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,759
−HK$145/mo
Today · 4.125%
HK$4,904
baseline
▲ 0.50% · 4.625%
HK$5,203
+HK$299/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,808/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$5,134
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,272
−HK$140/mo
Today · 4.125%
HK$5,412
baseline
▲ 0.50% · 4.625%
HK$5,697
+HK$285/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$5,538
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,710
−HK$175/mo
Today · 4.125%
HK$5,885
baseline
▲ 0.50% · 4.625%
HK$6,243
+HK$358/mo
Deposit HK$810K · loan HK$1.21M · min. income ≈ HK$11,770/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$6,161
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,326
−HK$168/mo
Today · 4.125%
HK$6,494
baseline
▲ 0.50% · 4.625%
HK$6,836
+HK$342/mo
Deposit HK$810K · loan HK$1.21M · min. income ≈ HK$12,988/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$6,461
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,662
−HK$204/mo
Today · 4.125%
HK$6,866
baseline
▲ 0.50% · 4.625%
HK$7,284
+HK$418/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$13,732/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$7,188
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,381
−HK$195/mo
Today · 4.125%
HK$7,576
baseline
▲ 0.50% · 4.625%
HK$7,976
+HK$400/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$15,152/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$8,307
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,566
−HK$262/mo
Today · 4.125%
HK$8,828
baseline
▲ 0.50% · 4.625%
HK$9,365
+HK$537/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,656/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$9,242
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,489
−HK$252/mo
Today · 4.125%
HK$9,741
baseline
▲ 0.50% · 4.625%
HK$10,254
+HK$513/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,482/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).