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$287/mo
▼ 0.25% · 3.875%
HK$4,735
−HK$145/mo
Today · 4.125%
HK$4,880
baseline
▲ 0.50% · 4.625%
HK$5,177
+HK$297/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,760/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$5,109
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,246
−HK$139/mo
Today · 4.125%
HK$5,385
baseline
▲ 0.50% · 4.625%
HK$5,669
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,770/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$5,511
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,682
−HK$175/mo
Today · 4.125%
HK$5,857
baseline
▲ 0.50% · 4.625%
HK$6,213
+HK$356/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$6,131
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,295
−HK$167/mo
Today · 4.125%
HK$6,462
baseline
▲ 0.50% · 4.625%
HK$6,803
+HK$341/mo
Deposit HK$806K · loan HK$1.21M · min. income ≈ HK$12,924/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$403/mo
▼ 0.25% · 3.875%
HK$6,629
−HK$204/mo
Today · 4.125%
HK$6,833
baseline
▲ 0.50% · 4.625%
HK$7,248
+HK$415/mo
Deposit HK$604K · loan HK$1.41M · min. income ≈ HK$13,666/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$7,153
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,345
−HK$194/mo
Today · 4.125%
HK$7,539
baseline
▲ 0.50% · 4.625%
HK$7,937
+HK$398/mo
Deposit HK$604K · loan HK$1.41M · min. income ≈ HK$15,078/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$8,267
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,524
−HK$261/mo
Today · 4.125%
HK$8,785
baseline
▲ 0.50% · 4.625%
HK$9,319
+HK$534/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,570/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$9,196
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,443
−HK$250/mo
Today · 4.125%
HK$9,693
baseline
▲ 0.50% · 4.625%
HK$10,204
+HK$511/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,386/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).