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$4,622
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,766
−HK$146/mo
Today · 4.125%
HK$4,912
baseline
▲ 0.50% · 4.625%
HK$5,211
+HK$299/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,824/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$5,142
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,280
−HK$140/mo
Today · 4.125%
HK$5,420
baseline
▲ 0.50% · 4.625%
HK$5,706
+HK$286/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,840/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$5,546
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,719
−HK$175/mo
Today · 4.125%
HK$5,894
baseline
▲ 0.50% · 4.625%
HK$6,253
+HK$359/mo
Deposit HK$811K · loan HK$1.22M · min. income ≈ HK$11,788/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,170
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,336
−HK$168/mo
Today · 4.125%
HK$6,504
baseline
▲ 0.50% · 4.625%
HK$6,847
+HK$343/mo
Deposit HK$811K · loan HK$1.22M · min. income ≈ HK$13,008/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,471
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,672
−HK$205/mo
Today · 4.125%
HK$6,877
baseline
▲ 0.50% · 4.625%
HK$7,295
+HK$418/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$13,754/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,199
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,392
−HK$196/mo
Today · 4.125%
HK$7,588
baseline
▲ 0.50% · 4.625%
HK$7,988
+HK$400/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$15,176/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,320
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,579
−HK$262/mo
Today · 4.125%
HK$8,841
baseline
▲ 0.50% · 4.625%
HK$9,379
+HK$538/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$17,682/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$9,256
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,504
−HK$252/mo
Today · 4.125%
HK$9,756
baseline
▲ 0.50% · 4.625%
HK$10,270
+HK$514/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$19,512/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).