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$4,583
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,726
−HK$145/mo
Today · 4.125%
HK$4,871
baseline
▲ 0.50% · 4.625%
HK$5,167
+HK$296/mo
Deposit HK$1.00M · loan HK$1.00M · 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$275/mo
▼ 0.25% · 3.875%
HK$5,236
−HK$138/mo
Today · 4.125%
HK$5,374
baseline
▲ 0.50% · 4.625%
HK$5,658
+HK$284/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,748/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$5,500
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,671
−HK$174/mo
Today · 4.125%
HK$5,845
baseline
▲ 0.50% · 4.625%
HK$6,200
+HK$355/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$330/mo
▼ 0.25% · 3.875%
HK$6,283
−HK$166/mo
Today · 4.125%
HK$6,449
baseline
▲ 0.50% · 4.625%
HK$6,789
+HK$340/mo
Deposit HK$804K · loan HK$1.21M · min. income ≈ HK$12,898/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$6,416
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,616
−HK$203/mo
Today · 4.125%
HK$6,819
baseline
▲ 0.50% · 4.625%
HK$7,234
+HK$415/mo
Deposit HK$603K · loan HK$1.41M · min. income ≈ HK$13,638/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$7,138
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,330
−HK$194/mo
Today · 4.125%
HK$7,524
baseline
▲ 0.50% · 4.625%
HK$7,921
+HK$397/mo
Deposit HK$603K · loan HK$1.41M · min. income ≈ HK$15,048/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$8,250
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,506
−HK$261/mo
Today · 4.125%
HK$8,767
baseline
▲ 0.50% · 4.625%
HK$9,301
+HK$534/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,534/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$9,178
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,424
−HK$250/mo
Today · 4.125%
HK$9,674
baseline
▲ 0.50% · 4.625%
HK$10,184
+HK$510/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,348/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).