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$4,998
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,153
−HK$158/mo
Today · 4.125%
HK$5,311
baseline
▲ 0.50% · 4.625%
HK$5,634
+HK$323/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,622/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$5,560
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,709
−HK$151/mo
Today · 4.125%
HK$5,860
baseline
▲ 0.50% · 4.625%
HK$6,169
+HK$309/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,720/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$5,997
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,184
−HK$189/mo
Today · 4.125%
HK$6,373
baseline
▲ 0.50% · 4.625%
HK$6,761
+HK$388/mo
Deposit HK$877K · loan HK$1.32M · min. income ≈ HK$12,746/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,672
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,851
−HK$181/mo
Today · 4.125%
HK$7,032
baseline
▲ 0.50% · 4.625%
HK$7,403
+HK$371/mo
Deposit HK$877K · loan HK$1.32M · min. income ≈ HK$14,064/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,997
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,214
−HK$222/mo
Today · 4.125%
HK$7,436
baseline
▲ 0.50% · 4.625%
HK$7,888
+HK$452/mo
Deposit HK$658K · loan HK$1.53M · min. income ≈ HK$14,872/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$7,784
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,993
−HK$211/mo
Today · 4.125%
HK$8,204
baseline
▲ 0.50% · 4.625%
HK$8,637
+HK$433/mo
Deposit HK$658K · loan HK$1.53M · min. income ≈ HK$16,408/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$8,996
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,276
−HK$284/mo
Today · 4.125%
HK$9,560
baseline
▲ 0.50% · 4.625%
HK$10,142
+HK$582/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,120/mo (50% DSR)
Upfront cash ≈ HK$219K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,008
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,276
−HK$272/mo
Today · 4.125%
HK$10,548
baseline
▲ 0.50% · 4.625%
HK$11,104
+HK$556/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,096/mo (50% DSR)
Upfront cash ≈ HK$219K (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).