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$4,620
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,764
−HK$146/mo
Today · 4.125%
HK$4,910
baseline
▲ 0.50% · 4.625%
HK$5,208
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,820/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$5,140
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,277
−HK$140/mo
Today · 4.125%
HK$5,417
baseline
▲ 0.50% · 4.625%
HK$5,703
+HK$286/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,834/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$5,544
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,716
−HK$176/mo
Today · 4.125%
HK$5,892
baseline
▲ 0.50% · 4.625%
HK$6,250
+HK$358/mo
Deposit HK$810K · loan HK$1.22M · min. income ≈ HK$11,784/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$6,168
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,333
−HK$168/mo
Today · 4.125%
HK$6,501
baseline
▲ 0.50% · 4.625%
HK$6,843
+HK$342/mo
Deposit HK$810K · loan HK$1.22M · min. income ≈ HK$13,002/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$6,468
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,669
−HK$204/mo
Today · 4.125%
HK$6,873
baseline
▲ 0.50% · 4.625%
HK$7,292
+HK$419/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$13,746/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$7,195
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,388
−HK$196/mo
Today · 4.125%
HK$7,584
baseline
▲ 0.50% · 4.625%
HK$7,984
+HK$400/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$15,168/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$8,316
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,575
−HK$262/mo
Today · 4.125%
HK$8,837
baseline
▲ 0.50% · 4.625%
HK$9,375
+HK$538/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$17,674/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$9,251
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,499
−HK$252/mo
Today · 4.125%
HK$9,751
baseline
▲ 0.50% · 4.625%
HK$10,265
+HK$514/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$19,502/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).