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$4,612
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,756
−HK$145/mo
Today · 4.125%
HK$4,901
baseline
▲ 0.50% · 4.625%
HK$5,200
+HK$299/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,802/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$5,131
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,269
−HK$139/mo
Today · 4.125%
HK$5,408
baseline
▲ 0.50% · 4.625%
HK$5,693
+HK$285/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,816/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$5,535
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,707
−HK$175/mo
Today · 4.125%
HK$5,882
baseline
▲ 0.50% · 4.625%
HK$6,240
+HK$358/mo
Deposit HK$809K · loan HK$1.21M · min. income ≈ HK$11,764/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,157
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,322
−HK$168/mo
Today · 4.125%
HK$6,490
baseline
▲ 0.50% · 4.625%
HK$6,832
+HK$342/mo
Deposit HK$809K · loan HK$1.21M · min. income ≈ HK$12,980/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,457
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,658
−HK$204/mo
Today · 4.125%
HK$6,862
baseline
▲ 0.50% · 4.625%
HK$7,280
+HK$418/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$13,724/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$7,183
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,376
−HK$196/mo
Today · 4.125%
HK$7,572
baseline
▲ 0.50% · 4.625%
HK$7,971
+HK$399/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$15,144/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$8,302
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,560
−HK$263/mo
Today · 4.125%
HK$8,823
baseline
▲ 0.50% · 4.625%
HK$9,359
+HK$536/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,646/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$9,236
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,484
−HK$251/mo
Today · 4.125%
HK$9,735
baseline
▲ 0.50% · 4.625%
HK$10,248
+HK$513/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,470/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).