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$4,584
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,726
−HK$145/mo
Today · 4.125%
HK$4,871
baseline
▲ 0.50% · 4.625%
HK$5,168
+HK$297/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,742/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$5,099
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,236
−HK$139/mo
Today · 4.125%
HK$5,375
baseline
▲ 0.50% · 4.625%
HK$5,658
+HK$283/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,750/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$5,501
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,672
−HK$173/mo
Today · 4.125%
HK$5,845
baseline
▲ 0.50% · 4.625%
HK$6,201
+HK$356/mo
Deposit HK$804K · loan HK$1.21M · min. income ≈ HK$11,690/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,119
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,283
−HK$167/mo
Today · 4.125%
HK$6,450
baseline
▲ 0.50% · 4.625%
HK$6,790
+HK$340/mo
Deposit HK$804K · loan HK$1.21M · min. income ≈ HK$12,900/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,417
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,617
−HK$203/mo
Today · 4.125%
HK$6,820
baseline
▲ 0.50% · 4.625%
HK$7,235
+HK$415/mo
Deposit HK$603K · loan HK$1.41M · min. income ≈ HK$13,640/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,139
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,331
−HK$194/mo
Today · 4.125%
HK$7,525
baseline
▲ 0.50% · 4.625%
HK$7,922
+HK$397/mo
Deposit HK$603K · loan HK$1.41M · min. income ≈ HK$15,050/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,251
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,507
−HK$261/mo
Today · 4.125%
HK$8,768
baseline
▲ 0.50% · 4.625%
HK$9,302
+HK$534/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,536/mo (50% DSR)
Upfront cash ≈ HK$201K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,179
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,425
−HK$250/mo
Today · 4.125%
HK$9,675
baseline
▲ 0.50% · 4.625%
HK$10,185
+HK$510/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,350/mo (50% DSR)
Upfront cash ≈ HK$201K (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).