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$4,617
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,760
−HK$146/mo
Today · 4.125%
HK$4,906
baseline
▲ 0.50% · 4.625%
HK$5,205
+HK$299/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,812/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$5,136
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,274
−HK$139/mo
Today · 4.125%
HK$5,413
baseline
▲ 0.50% · 4.625%
HK$5,699
+HK$286/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,826/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$5,540
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,712
−HK$175/mo
Today · 4.125%
HK$5,887
baseline
▲ 0.50% · 4.625%
HK$6,246
+HK$359/mo
Deposit HK$810K · loan HK$1.21M · min. income ≈ HK$11,774/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$6,163
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,328
−HK$168/mo
Today · 4.125%
HK$6,496
baseline
▲ 0.50% · 4.625%
HK$6,838
+HK$342/mo
Deposit HK$810K · loan HK$1.21M · min. income ≈ HK$12,992/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$6,463
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,664
−HK$205/mo
Today · 4.125%
HK$6,869
baseline
▲ 0.50% · 4.625%
HK$7,286
+HK$417/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$13,738/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,190
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,383
−HK$196/mo
Today · 4.125%
HK$7,579
baseline
▲ 0.50% · 4.625%
HK$7,978
+HK$399/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$15,158/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,310
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,568
−HK$263/mo
Today · 4.125%
HK$8,831
baseline
▲ 0.50% · 4.625%
HK$9,368
+HK$537/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,662/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$9,245
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,493
−HK$251/mo
Today · 4.125%
HK$9,744
baseline
▲ 0.50% · 4.625%
HK$10,258
+HK$514/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,488/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).