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$4,595
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,738
−HK$145/mo
Today · 4.125%
HK$4,883
baseline
▲ 0.50% · 4.625%
HK$5,180
+HK$297/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,766/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$5,111
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,249
−HK$139/mo
Today · 4.125%
HK$5,388
baseline
▲ 0.50% · 4.625%
HK$5,672
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,776/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$5,514
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,685
−HK$174/mo
Today · 4.125%
HK$5,859
baseline
▲ 0.50% · 4.625%
HK$6,216
+HK$357/mo
Deposit HK$806K · loan HK$1.21M · min. income ≈ HK$11,718/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$6,134
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,298
−HK$167/mo
Today · 4.125%
HK$6,465
baseline
▲ 0.50% · 4.625%
HK$6,806
+HK$341/mo
Deposit HK$806K · loan HK$1.21M · min. income ≈ HK$12,930/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$6,432
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,633
−HK$203/mo
Today · 4.125%
HK$6,836
baseline
▲ 0.50% · 4.625%
HK$7,252
+HK$416/mo
Deposit HK$604K · loan HK$1.41M · min. income ≈ HK$13,672/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,156
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,348
−HK$195/mo
Today · 4.125%
HK$7,543
baseline
▲ 0.50% · 4.625%
HK$7,940
+HK$397/mo
Deposit HK$604K · loan HK$1.41M · min. income ≈ HK$15,086/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,270
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,528
−HK$261/mo
Today · 4.125%
HK$8,789
baseline
▲ 0.50% · 4.625%
HK$9,324
+HK$535/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,578/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$9,201
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,447
−HK$251/mo
Today · 4.125%
HK$9,698
baseline
▲ 0.50% · 4.625%
HK$10,209
+HK$511/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,396/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).