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$4,623
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,767
−HK$146/mo
Today · 4.125%
HK$4,913
baseline
▲ 0.50% · 4.625%
HK$5,212
+HK$299/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,826/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$5,143
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,281
−HK$140/mo
Today · 4.125%
HK$5,421
baseline
▲ 0.50% · 4.625%
HK$5,707
+HK$286/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,842/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$5,548
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,720
−HK$175/mo
Today · 4.125%
HK$5,895
baseline
▲ 0.50% · 4.625%
HK$6,254
+HK$359/mo
Deposit HK$811K · loan HK$1.22M · min. income ≈ HK$11,790/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$6,172
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,337
−HK$168/mo
Today · 4.125%
HK$6,505
baseline
▲ 0.50% · 4.625%
HK$6,848
+HK$343/mo
Deposit HK$811K · loan HK$1.22M · min. income ≈ HK$13,010/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$6,472
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,673
−HK$205/mo
Today · 4.125%
HK$6,878
baseline
▲ 0.50% · 4.625%
HK$7,297
+HK$419/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$13,756/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$7,200
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,393
−HK$196/mo
Today · 4.125%
HK$7,589
baseline
▲ 0.50% · 4.625%
HK$7,989
+HK$400/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$15,178/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$8,321
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,580
−HK$263/mo
Today · 4.125%
HK$8,843
baseline
▲ 0.50% · 4.625%
HK$9,381
+HK$538/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$17,686/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$9,257
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,506
−HK$252/mo
Today · 4.125%
HK$9,758
baseline
▲ 0.50% · 4.625%
HK$10,272
+HK$514/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$19,516/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).