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$4,994
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,150
−HK$157/mo
Today · 4.125%
HK$5,307
baseline
▲ 0.50% · 4.625%
HK$5,630
+HK$323/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,614/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$5,556
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,705
−HK$151/mo
Today · 4.125%
HK$5,856
baseline
▲ 0.50% · 4.625%
HK$6,165
+HK$309/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,712/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$5,993
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,180
−HK$189/mo
Today · 4.125%
HK$6,369
baseline
▲ 0.50% · 4.625%
HK$6,756
+HK$387/mo
Deposit HK$876K · loan HK$1.31M · min. income ≈ HK$12,738/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,667
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,846
−HK$181/mo
Today · 4.125%
HK$7,027
baseline
▲ 0.50% · 4.625%
HK$7,398
+HK$371/mo
Deposit HK$876K · loan HK$1.31M · min. income ≈ HK$14,054/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,992
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,209
−HK$221/mo
Today · 4.125%
HK$7,430
baseline
▲ 0.50% · 4.625%
HK$7,883
+HK$453/mo
Deposit HK$657K · loan HK$1.53M · min. income ≈ HK$14,860/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,778
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,987
−HK$212/mo
Today · 4.125%
HK$8,199
baseline
▲ 0.50% · 4.625%
HK$8,631
+HK$432/mo
Deposit HK$657K · loan HK$1.53M · min. income ≈ HK$16,398/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,990
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,269
−HK$284/mo
Today · 4.125%
HK$9,553
baseline
▲ 0.50% · 4.625%
HK$10,135
+HK$582/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,106/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$10,001
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,269
−HK$272/mo
Today · 4.125%
HK$10,541
baseline
▲ 0.50% · 4.625%
HK$11,097
+HK$556/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,082/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).