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$4,603
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,747
−HK$145/mo
Today · 4.125%
HK$4,892
baseline
▲ 0.50% · 4.625%
HK$5,190
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,784/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$5,121
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,259
−HK$139/mo
Today · 4.125%
HK$5,398
baseline
▲ 0.50% · 4.625%
HK$5,682
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,796/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$5,524
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,696
−HK$174/mo
Today · 4.125%
HK$5,870
baseline
▲ 0.50% · 4.625%
HK$6,228
+HK$358/mo
Deposit HK$808K · loan HK$1.21M · min. income ≈ HK$11,740/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,145
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,310
−HK$167/mo
Today · 4.125%
HK$6,477
baseline
▲ 0.50% · 4.625%
HK$6,819
+HK$342/mo
Deposit HK$808K · loan HK$1.21M · min. income ≈ HK$12,954/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,445
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,645
−HK$204/mo
Today · 4.125%
HK$6,849
baseline
▲ 0.50% · 4.625%
HK$7,266
+HK$417/mo
Deposit HK$606K · loan HK$1.41M · min. income ≈ HK$13,698/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,170
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,362
−HK$195/mo
Today · 4.125%
HK$7,557
baseline
▲ 0.50% · 4.625%
HK$7,955
+HK$398/mo
Deposit HK$606K · loan HK$1.41M · min. income ≈ HK$15,114/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,286
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,544
−HK$262/mo
Today · 4.125%
HK$8,806
baseline
▲ 0.50% · 4.625%
HK$9,342
+HK$536/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,612/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$9,218
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,465
−HK$251/mo
Today · 4.125%
HK$9,716
baseline
▲ 0.50% · 4.625%
HK$10,228
+HK$512/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,432/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).