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$4,627
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,771
−HK$147/mo
Today · 4.125%
HK$4,918
baseline
▲ 0.50% · 4.625%
HK$5,217
+HK$299/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,836/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$5,148
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,286
−HK$140/mo
Today · 4.125%
HK$5,426
baseline
▲ 0.50% · 4.625%
HK$5,712
+HK$286/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,852/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$5,553
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,726
−HK$175/mo
Today · 4.125%
HK$5,901
baseline
▲ 0.50% · 4.625%
HK$6,260
+HK$359/mo
Deposit HK$812K · loan HK$1.22M · min. income ≈ HK$11,802/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,178
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,343
−HK$168/mo
Today · 4.125%
HK$6,511
baseline
▲ 0.50% · 4.625%
HK$6,855
+HK$344/mo
Deposit HK$812K · loan HK$1.22M · min. income ≈ HK$13,022/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,478
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,680
−HK$205/mo
Today · 4.125%
HK$6,885
baseline
▲ 0.50% · 4.625%
HK$7,304
+HK$419/mo
Deposit HK$609K · loan HK$1.42M · min. income ≈ HK$13,770/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,207
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,400
−HK$197/mo
Today · 4.125%
HK$7,597
baseline
▲ 0.50% · 4.625%
HK$7,997
+HK$400/mo
Deposit HK$609K · loan HK$1.42M · min. income ≈ HK$15,194/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,329
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,588
−HK$264/mo
Today · 4.125%
HK$8,852
baseline
▲ 0.50% · 4.625%
HK$9,390
+HK$538/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,704/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$9,266
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,515
−HK$252/mo
Today · 4.125%
HK$9,767
baseline
▲ 0.50% · 4.625%
HK$10,282
+HK$515/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,534/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).