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$4,602
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,745
−HK$146/mo
Today · 4.125%
HK$4,891
baseline
▲ 0.50% · 4.625%
HK$5,188
+HK$297/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,782/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$5,120
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,257
−HK$139/mo
Today · 4.125%
HK$5,396
baseline
▲ 0.50% · 4.625%
HK$5,681
+HK$285/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,792/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$5,522
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,694
−HK$175/mo
Today · 4.125%
HK$5,869
baseline
▲ 0.50% · 4.625%
HK$6,226
+HK$357/mo
Deposit HK$807K · loan HK$1.21M · min. income ≈ HK$11,738/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,144
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,308
−HK$167/mo
Today · 4.125%
HK$6,475
baseline
▲ 0.50% · 4.625%
HK$6,817
+HK$342/mo
Deposit HK$807K · loan HK$1.21M · min. income ≈ HK$12,950/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,443
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,643
−HK$204/mo
Today · 4.125%
HK$6,847
baseline
▲ 0.50% · 4.625%
HK$7,263
+HK$416/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$13,694/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$7,167
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,360
−HK$195/mo
Today · 4.125%
HK$7,555
baseline
▲ 0.50% · 4.625%
HK$7,953
+HK$398/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$15,110/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$8,284
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,541
−HK$262/mo
Today · 4.125%
HK$8,803
baseline
▲ 0.50% · 4.625%
HK$9,339
+HK$536/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,606/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$9,215
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,462
−HK$251/mo
Today · 4.125%
HK$9,713
baseline
▲ 0.50% · 4.625%
HK$10,225
+HK$512/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,426/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).