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$4,595
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,738
−HK$145/mo
Today · 4.125%
HK$4,883
baseline
▲ 0.50% · 4.625%
HK$5,181
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,766/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$5,112
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,249
−HK$139/mo
Today · 4.125%
HK$5,388
baseline
▲ 0.50% · 4.625%
HK$5,672
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,776/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$5,514
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,686
−HK$174/mo
Today · 4.125%
HK$5,860
baseline
▲ 0.50% · 4.625%
HK$6,217
+HK$357/mo
Deposit HK$806K · loan HK$1.21M · min. income ≈ HK$11,720/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,135
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,299
−HK$167/mo
Today · 4.125%
HK$6,466
baseline
▲ 0.50% · 4.625%
HK$6,807
+HK$341/mo
Deposit HK$806K · loan HK$1.21M · min. income ≈ HK$12,932/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,433
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,633
−HK$204/mo
Today · 4.125%
HK$6,837
baseline
▲ 0.50% · 4.625%
HK$7,253
+HK$416/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$13,674/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$7,157
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,349
−HK$195/mo
Today · 4.125%
HK$7,544
baseline
▲ 0.50% · 4.625%
HK$7,941
+HK$397/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$15,088/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$8,271
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,529
−HK$261/mo
Today · 4.125%
HK$8,790
baseline
▲ 0.50% · 4.625%
HK$9,325
+HK$535/mo
Deposit HK$202K · loan HK$1.81M · min. income ≈ HK$17,580/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$9,202
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,449
−HK$250/mo
Today · 4.125%
HK$9,699
baseline
▲ 0.50% · 4.625%
HK$10,210
+HK$511/mo
Deposit HK$202K · loan HK$1.81M · min. income ≈ HK$19,398/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).