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$4,619
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,762
−HK$146/mo
Today · 4.125%
HK$4,908
baseline
▲ 0.50% · 4.625%
HK$5,207
+HK$299/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,816/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$5,138
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,276
−HK$140/mo
Today · 4.125%
HK$5,416
baseline
▲ 0.50% · 4.625%
HK$5,701
+HK$285/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,832/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$5,542
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,715
−HK$175/mo
Today · 4.125%
HK$5,890
baseline
▲ 0.50% · 4.625%
HK$6,248
+HK$358/mo
Deposit HK$810K · loan HK$1.22M · min. income ≈ HK$11,780/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,166
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,331
−HK$168/mo
Today · 4.125%
HK$6,499
baseline
▲ 0.50% · 4.625%
HK$6,841
+HK$342/mo
Deposit HK$810K · loan HK$1.22M · min. income ≈ HK$12,998/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,466
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,667
−HK$204/mo
Today · 4.125%
HK$6,871
baseline
▲ 0.50% · 4.625%
HK$7,290
+HK$419/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$13,742/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$7,193
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,386
−HK$196/mo
Today · 4.125%
HK$7,582
baseline
▲ 0.50% · 4.625%
HK$7,982
+HK$400/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$15,164/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$8,313
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,572
−HK$263/mo
Today · 4.125%
HK$8,835
baseline
▲ 0.50% · 4.625%
HK$9,372
+HK$537/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$17,670/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$9,249
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,497
−HK$251/mo
Today · 4.125%
HK$9,748
baseline
▲ 0.50% · 4.625%
HK$10,262
+HK$514/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$19,496/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).