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$4,606
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,749
−HK$145/mo
Today · 4.125%
HK$4,894
baseline
▲ 0.50% · 4.625%
HK$5,192
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,788/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$5,124
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,261
−HK$140/mo
Today · 4.125%
HK$5,401
baseline
▲ 0.50% · 4.625%
HK$5,685
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,802/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$5,527
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,699
−HK$174/mo
Today · 4.125%
HK$5,873
baseline
▲ 0.50% · 4.625%
HK$6,231
+HK$358/mo
Deposit HK$808K · loan HK$1.21M · min. income ≈ HK$11,746/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$6,148
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,313
−HK$168/mo
Today · 4.125%
HK$6,481
baseline
▲ 0.50% · 4.625%
HK$6,822
+HK$341/mo
Deposit HK$808K · loan HK$1.21M · min. income ≈ HK$12,962/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$6,448
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,648
−HK$204/mo
Today · 4.125%
HK$6,852
baseline
▲ 0.50% · 4.625%
HK$7,269
+HK$417/mo
Deposit HK$606K · loan HK$1.41M · min. income ≈ HK$13,704/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$7,173
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,366
−HK$195/mo
Today · 4.125%
HK$7,561
baseline
▲ 0.50% · 4.625%
HK$7,959
+HK$398/mo
Deposit HK$606K · loan HK$1.41M · min. income ≈ HK$15,122/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$8,290
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,548
−HK$262/mo
Today · 4.125%
HK$8,810
baseline
▲ 0.50% · 4.625%
HK$9,346
+HK$536/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,620/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$9,223
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,470
−HK$251/mo
Today · 4.125%
HK$9,721
baseline
▲ 0.50% · 4.625%
HK$10,233
+HK$512/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,442/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).