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$5,039
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,195
−HK$160/mo
Today · 4.125%
HK$5,355
baseline
▲ 0.50% · 4.625%
HK$5,681
+HK$326/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,710/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$5,606
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,756
−HK$152/mo
Today · 4.125%
HK$5,908
baseline
▲ 0.50% · 4.625%
HK$6,220
+HK$312/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,816/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$6,046
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,235
−HK$191/mo
Today · 4.125%
HK$6,426
baseline
▲ 0.50% · 4.625%
HK$6,817
+HK$391/mo
Deposit HK$884K · loan HK$1.33M · min. income ≈ HK$12,852/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,727
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,907
−HK$183/mo
Today · 4.125%
HK$7,090
baseline
▲ 0.50% · 4.625%
HK$7,464
+HK$374/mo
Deposit HK$884K · loan HK$1.33M · min. income ≈ HK$14,180/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,054
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,274
−HK$223/mo
Today · 4.125%
HK$7,497
baseline
▲ 0.50% · 4.625%
HK$7,953
+HK$456/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$14,994/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,848
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,058
−HK$214/mo
Today · 4.125%
HK$8,272
baseline
▲ 0.50% · 4.625%
HK$8,708
+HK$436/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$16,544/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,070
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,352
−HK$286/mo
Today · 4.125%
HK$9,638
baseline
▲ 0.50% · 4.625%
HK$10,225
+HK$587/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,276/mo (50% DSR)
Upfront cash ≈ HK$221K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,090
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,361
−HK$274/mo
Today · 4.125%
HK$10,635
baseline
▲ 0.50% · 4.625%
HK$11,196
+HK$561/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,270/mo (50% DSR)
Upfront cash ≈ HK$221K (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).