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$4,601
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,744
−HK$145/mo
Today · 4.125%
HK$4,889
baseline
▲ 0.50% · 4.625%
HK$5,187
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,778/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$5,118
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,256
−HK$139/mo
Today · 4.125%
HK$5,395
baseline
▲ 0.50% · 4.625%
HK$5,679
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,790/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$5,521
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,693
−HK$174/mo
Today · 4.125%
HK$5,867
baseline
▲ 0.50% · 4.625%
HK$6,224
+HK$357/mo
Deposit HK$807K · loan HK$1.21M · min. income ≈ HK$11,734/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,142
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,307
−HK$167/mo
Today · 4.125%
HK$6,474
baseline
▲ 0.50% · 4.625%
HK$6,815
+HK$341/mo
Deposit HK$807K · loan HK$1.21M · min. income ≈ HK$12,948/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,441
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,642
−HK$203/mo
Today · 4.125%
HK$6,845
baseline
▲ 0.50% · 4.625%
HK$7,262
+HK$417/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$13,690/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,166
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,358
−HK$195/mo
Today · 4.125%
HK$7,553
baseline
▲ 0.50% · 4.625%
HK$7,951
+HK$398/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$15,106/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,282
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,539
−HK$262/mo
Today · 4.125%
HK$8,801
baseline
▲ 0.50% · 4.625%
HK$9,336
+HK$535/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,602/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$9,213
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,460
−HK$251/mo
Today · 4.125%
HK$9,711
baseline
▲ 0.50% · 4.625%
HK$10,223
+HK$512/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,422/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).