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$5,013
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,169
−HK$159/mo
Today · 4.125%
HK$5,328
baseline
▲ 0.50% · 4.625%
HK$5,652
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,656/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$5,577
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,727
−HK$152/mo
Today · 4.125%
HK$5,879
baseline
▲ 0.50% · 4.625%
HK$6,189
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,758/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$6,016
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,203
−HK$190/mo
Today · 4.125%
HK$6,393
baseline
▲ 0.50% · 4.625%
HK$6,782
+HK$389/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$12,786/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,693
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,872
−HK$182/mo
Today · 4.125%
HK$7,054
baseline
▲ 0.50% · 4.625%
HK$7,426
+HK$372/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$14,108/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,019
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,237
−HK$222/mo
Today · 4.125%
HK$7,459
baseline
▲ 0.50% · 4.625%
HK$7,913
+HK$454/mo
Deposit HK$660K · loan HK$1.54M · min. income ≈ HK$14,918/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,808
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,018
−HK$212/mo
Today · 4.125%
HK$8,230
baseline
▲ 0.50% · 4.625%
HK$8,664
+HK$434/mo
Deposit HK$660K · loan HK$1.54M · min. income ≈ HK$16,460/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,024
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,305
−HK$285/mo
Today · 4.125%
HK$9,590
baseline
▲ 0.50% · 4.625%
HK$10,173
+HK$583/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,180/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$10,039
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,308
−HK$274/mo
Today · 4.125%
HK$10,582
baseline
▲ 0.50% · 4.625%
HK$11,139
+HK$557/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,164/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).