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$4,607
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,751
−HK$145/mo
Today · 4.125%
HK$4,896
baseline
▲ 0.50% · 4.625%
HK$5,194
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,792/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$5,126
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,263
−HK$140/mo
Today · 4.125%
HK$5,403
baseline
▲ 0.50% · 4.625%
HK$5,687
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,806/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$5,529
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,701
−HK$175/mo
Today · 4.125%
HK$5,876
baseline
▲ 0.50% · 4.625%
HK$6,233
+HK$357/mo
Deposit HK$808K · loan HK$1.21M · min. income ≈ HK$11,752/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,151
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,316
−HK$167/mo
Today · 4.125%
HK$6,483
baseline
▲ 0.50% · 4.625%
HK$6,825
+HK$342/mo
Deposit HK$808K · loan HK$1.21M · min. income ≈ HK$12,966/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,450
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,651
−HK$204/mo
Today · 4.125%
HK$6,855
baseline
▲ 0.50% · 4.625%
HK$7,272
+HK$417/mo
Deposit HK$606K · loan HK$1.41M · min. income ≈ HK$13,710/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,176
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,368
−HK$196/mo
Today · 4.125%
HK$7,564
baseline
▲ 0.50% · 4.625%
HK$7,962
+HK$398/mo
Deposit HK$606K · loan HK$1.41M · min. income ≈ HK$15,128/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,293
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,551
−HK$262/mo
Today · 4.125%
HK$8,813
baseline
▲ 0.50% · 4.625%
HK$9,350
+HK$537/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,626/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$9,226
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,474
−HK$251/mo
Today · 4.125%
HK$9,725
baseline
▲ 0.50% · 4.625%
HK$10,237
+HK$512/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,450/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).