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$5,009
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,165
−HK$158/mo
Today · 4.125%
HK$5,323
baseline
▲ 0.50% · 4.625%
HK$5,647
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,646/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$5,572
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,722
−HK$151/mo
Today · 4.125%
HK$5,873
baseline
▲ 0.50% · 4.625%
HK$6,183
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,746/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$6,011
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,198
−HK$190/mo
Today · 4.125%
HK$6,388
baseline
▲ 0.50% · 4.625%
HK$6,776
+HK$388/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$12,776/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,687
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,866
−HK$182/mo
Today · 4.125%
HK$7,048
baseline
▲ 0.50% · 4.625%
HK$7,420
+HK$372/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$14,096/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,013
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,231
−HK$221/mo
Today · 4.125%
HK$7,452
baseline
▲ 0.50% · 4.625%
HK$7,906
+HK$454/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$14,904/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,801
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,011
−HK$212/mo
Today · 4.125%
HK$8,223
baseline
▲ 0.50% · 4.625%
HK$8,656
+HK$433/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$16,446/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,016
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,297
−HK$285/mo
Today · 4.125%
HK$9,582
baseline
▲ 0.50% · 4.625%
HK$10,165
+HK$583/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,164/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$10,030
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,299
−HK$273/mo
Today · 4.125%
HK$10,572
baseline
▲ 0.50% · 4.625%
HK$11,130
+HK$558/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,144/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).