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$5,003
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,159
−HK$158/mo
Today · 4.125%
HK$5,317
baseline
▲ 0.50% · 4.625%
HK$5,640
+HK$323/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,634/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,566
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,715
−HK$152/mo
Today · 4.125%
HK$5,867
baseline
▲ 0.50% · 4.625%
HK$6,176
+HK$309/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,734/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,004
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,190
−HK$190/mo
Today · 4.125%
HK$6,380
baseline
▲ 0.50% · 4.625%
HK$6,768
+HK$388/mo
Deposit HK$878K · loan HK$1.32M · min. income ≈ HK$12,760/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,679
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,858
−HK$182/mo
Today · 4.125%
HK$7,040
baseline
▲ 0.50% · 4.625%
HK$7,411
+HK$371/mo
Deposit HK$878K · loan HK$1.32M · min. income ≈ HK$14,080/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,004
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,222
−HK$222/mo
Today · 4.125%
HK$7,444
baseline
▲ 0.50% · 4.625%
HK$7,897
+HK$453/mo
Deposit HK$658K · loan HK$1.54M · min. income ≈ HK$14,888/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,792
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,001
−HK$212/mo
Today · 4.125%
HK$8,213
baseline
▲ 0.50% · 4.625%
HK$8,646
+HK$433/mo
Deposit HK$658K · loan HK$1.54M · min. income ≈ HK$16,426/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,006
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,286
−HK$284/mo
Today · 4.125%
HK$9,570
baseline
▲ 0.50% · 4.625%
HK$10,153
+HK$583/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,140/mo (50% DSR)
Upfront cash ≈ HK$220K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,019
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,287
−HK$273/mo
Today · 4.125%
HK$10,560
baseline
▲ 0.50% · 4.625%
HK$11,117
+HK$557/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,120/mo (50% DSR)
Upfront cash ≈ HK$220K (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).