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$4,587
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,729
−HK$145/mo
Today · 4.125%
HK$4,874
baseline
▲ 0.50% · 4.625%
HK$5,171
+HK$297/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,748/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$5,103
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,239
−HK$139/mo
Today · 4.125%
HK$5,378
baseline
▲ 0.50% · 4.625%
HK$5,662
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,756/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$5,504
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,675
−HK$174/mo
Today · 4.125%
HK$5,849
baseline
▲ 0.50% · 4.625%
HK$6,205
+HK$356/mo
Deposit HK$805K · loan HK$1.21M · min. income ≈ HK$11,698/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,123
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,287
−HK$167/mo
Today · 4.125%
HK$6,454
baseline
▲ 0.50% · 4.625%
HK$6,794
+HK$340/mo
Deposit HK$805K · loan HK$1.21M · min. income ≈ HK$12,908/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,421
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,621
−HK$203/mo
Today · 4.125%
HK$6,824
baseline
▲ 0.50% · 4.625%
HK$7,239
+HK$415/mo
Deposit HK$603K · loan HK$1.41M · min. income ≈ HK$13,648/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$7,144
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,335
−HK$195/mo
Today · 4.125%
HK$7,530
baseline
▲ 0.50% · 4.625%
HK$7,927
+HK$397/mo
Deposit HK$603K · loan HK$1.41M · min. income ≈ HK$15,060/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$8,256
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,513
−HK$261/mo
Today · 4.125%
HK$8,774
baseline
▲ 0.50% · 4.625%
HK$9,308
+HK$534/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,548/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$9,185
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,431
−HK$250/mo
Today · 4.125%
HK$9,681
baseline
▲ 0.50% · 4.625%
HK$10,191
+HK$510/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,362/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).