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$4,593
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,736
−HK$145/mo
Today · 4.125%
HK$4,881
baseline
▲ 0.50% · 4.625%
HK$5,178
+HK$297/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,762/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$5,110
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,247
−HK$139/mo
Today · 4.125%
HK$5,386
baseline
▲ 0.50% · 4.625%
HK$5,670
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,772/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$5,512
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,683
−HK$174/mo
Today · 4.125%
HK$5,857
baseline
▲ 0.50% · 4.625%
HK$6,214
+HK$357/mo
Deposit HK$806K · loan HK$1.21M · min. income ≈ HK$11,714/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,132
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,296
−HK$167/mo
Today · 4.125%
HK$6,463
baseline
▲ 0.50% · 4.625%
HK$6,804
+HK$341/mo
Deposit HK$806K · loan HK$1.21M · min. income ≈ HK$12,926/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,430
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,630
−HK$204/mo
Today · 4.125%
HK$6,834
baseline
▲ 0.50% · 4.625%
HK$7,249
+HK$415/mo
Deposit HK$604K · loan HK$1.41M · min. income ≈ HK$13,668/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$7,154
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,346
−HK$194/mo
Today · 4.125%
HK$7,540
baseline
▲ 0.50% · 4.625%
HK$7,938
+HK$398/mo
Deposit HK$604K · loan HK$1.41M · min. income ≈ HK$15,080/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$8,268
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,525
−HK$261/mo
Today · 4.125%
HK$8,786
baseline
▲ 0.50% · 4.625%
HK$9,321
+HK$535/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,572/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$9,198
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,444
−HK$251/mo
Today · 4.125%
HK$9,695
baseline
▲ 0.50% · 4.625%
HK$10,206
+HK$511/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,390/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).