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$4,591
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,734
−HK$145/mo
Today · 4.125%
HK$4,879
baseline
▲ 0.50% · 4.625%
HK$5,176
+HK$297/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,758/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$5,108
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,245
−HK$139/mo
Today · 4.125%
HK$5,384
baseline
▲ 0.50% · 4.625%
HK$5,668
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,768/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$5,510
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,681
−HK$174/mo
Today · 4.125%
HK$5,855
baseline
▲ 0.50% · 4.625%
HK$6,211
+HK$356/mo
Deposit HK$805K · loan HK$1.21M · min. income ≈ HK$11,710/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$6,129
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,294
−HK$167/mo
Today · 4.125%
HK$6,461
baseline
▲ 0.50% · 4.625%
HK$6,801
+HK$340/mo
Deposit HK$805K · loan HK$1.21M · min. income ≈ HK$12,922/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$6,428
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,628
−HK$203/mo
Today · 4.125%
HK$6,831
baseline
▲ 0.50% · 4.625%
HK$7,247
+HK$416/mo
Deposit HK$604K · loan HK$1.41M · min. income ≈ HK$13,662/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,151
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,343
−HK$194/mo
Today · 4.125%
HK$7,537
baseline
▲ 0.50% · 4.625%
HK$7,935
+HK$398/mo
Deposit HK$604K · loan HK$1.41M · min. income ≈ HK$15,074/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,265
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,522
−HK$261/mo
Today · 4.125%
HK$8,783
baseline
▲ 0.50% · 4.625%
HK$9,317
+HK$534/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,566/mo (50% DSR)
Upfront cash ≈ HK$201K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,194
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,441
−HK$250/mo
Today · 4.125%
HK$9,691
baseline
▲ 0.50% · 4.625%
HK$10,202
+HK$511/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,382/mo (50% DSR)
Upfront cash ≈ HK$201K (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).