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$4,598
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,741
−HK$145/mo
Today · 4.125%
HK$4,886
baseline
▲ 0.50% · 4.625%
HK$5,184
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,772/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$5,115
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,252
−HK$140/mo
Today · 4.125%
HK$5,392
baseline
▲ 0.50% · 4.625%
HK$5,676
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,784/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$5,518
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,689
−HK$175/mo
Today · 4.125%
HK$5,864
baseline
▲ 0.50% · 4.625%
HK$6,220
+HK$356/mo
Deposit HK$807K · loan HK$1.21M · min. income ≈ HK$11,728/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$6,138
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,303
−HK$167/mo
Today · 4.125%
HK$6,470
baseline
▲ 0.50% · 4.625%
HK$6,811
+HK$341/mo
Deposit HK$807K · loan HK$1.21M · min. income ≈ HK$12,940/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$6,437
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,637
−HK$204/mo
Today · 4.125%
HK$6,841
baseline
▲ 0.50% · 4.625%
HK$7,257
+HK$416/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$13,682/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,161
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,353
−HK$195/mo
Today · 4.125%
HK$7,548
baseline
▲ 0.50% · 4.625%
HK$7,946
+HK$398/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$15,096/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,276
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,534
−HK$261/mo
Today · 4.125%
HK$8,795
baseline
▲ 0.50% · 4.625%
HK$9,330
+HK$535/mo
Deposit HK$202K · loan HK$1.81M · min. income ≈ HK$17,590/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$9,207
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,454
−HK$251/mo
Today · 4.125%
HK$9,705
baseline
▲ 0.50% · 4.625%
HK$10,216
+HK$511/mo
Deposit HK$202K · loan HK$1.81M · min. income ≈ HK$19,410/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).