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$4,590
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,733
−HK$145/mo
Today · 4.125%
HK$4,878
baseline
▲ 0.50% · 4.625%
HK$5,175
+HK$297/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,756/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$5,107
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,244
−HK$139/mo
Today · 4.125%
HK$5,383
baseline
▲ 0.50% · 4.625%
HK$5,667
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,766/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$5,509
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,680
−HK$174/mo
Today · 4.125%
HK$5,854
baseline
▲ 0.50% · 4.625%
HK$6,210
+HK$356/mo
Deposit HK$805K · loan HK$1.21M · min. income ≈ HK$11,708/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,128
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,293
−HK$166/mo
Today · 4.125%
HK$6,459
baseline
▲ 0.50% · 4.625%
HK$6,800
+HK$341/mo
Deposit HK$805K · loan HK$1.21M · min. income ≈ HK$12,918/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,427
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,627
−HK$203/mo
Today · 4.125%
HK$6,830
baseline
▲ 0.50% · 4.625%
HK$7,245
+HK$415/mo
Deposit HK$604K · loan HK$1.41M · min. income ≈ HK$13,660/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,150
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,341
−HK$195/mo
Today · 4.125%
HK$7,536
baseline
▲ 0.50% · 4.625%
HK$7,933
+HK$397/mo
Deposit HK$604K · loan HK$1.41M · min. income ≈ HK$15,072/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,263
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,520
−HK$261/mo
Today · 4.125%
HK$8,781
baseline
▲ 0.50% · 4.625%
HK$9,315
+HK$534/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,562/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$9,192
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,439
−HK$250/mo
Today · 4.125%
HK$9,689
baseline
▲ 0.50% · 4.625%
HK$10,200
+HK$511/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,378/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).