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$5,002
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,157
−HK$158/mo
Today · 4.125%
HK$5,315
baseline
▲ 0.50% · 4.625%
HK$5,639
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,630/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$5,564
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,714
−HK$151/mo
Today · 4.125%
HK$5,865
baseline
▲ 0.50% · 4.625%
HK$6,174
+HK$309/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,730/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$6,002
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,189
−HK$189/mo
Today · 4.125%
HK$6,378
baseline
▲ 0.50% · 4.625%
HK$6,767
+HK$389/mo
Deposit HK$877K · loan HK$1.32M · min. income ≈ HK$12,756/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$6,677
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,856
−HK$182/mo
Today · 4.125%
HK$7,038
baseline
▲ 0.50% · 4.625%
HK$7,409
+HK$371/mo
Deposit HK$877K · loan HK$1.32M · min. income ≈ HK$14,076/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$7,002
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,220
−HK$222/mo
Today · 4.125%
HK$7,442
baseline
▲ 0.50% · 4.625%
HK$7,894
+HK$452/mo
Deposit HK$658K · loan HK$1.54M · min. income ≈ HK$14,884/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$7,790
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,999
−HK$212/mo
Today · 4.125%
HK$8,211
baseline
▲ 0.50% · 4.625%
HK$8,644
+HK$433/mo
Deposit HK$658K · loan HK$1.54M · min. income ≈ HK$16,422/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$9,003
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,283
−HK$285/mo
Today · 4.125%
HK$9,568
baseline
▲ 0.50% · 4.625%
HK$10,150
+HK$582/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,136/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$10,016
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,284
−HK$273/mo
Today · 4.125%
HK$10,557
baseline
▲ 0.50% · 4.625%
HK$11,113
+HK$556/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,114/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).