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$5,011
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,167
−HK$158/mo
Today · 4.125%
HK$5,325
baseline
▲ 0.50% · 4.625%
HK$5,649
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,650/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$5,575
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,724
−HK$152/mo
Today · 4.125%
HK$5,876
baseline
▲ 0.50% · 4.625%
HK$6,186
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,752/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$6,013
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,200
−HK$190/mo
Today · 4.125%
HK$6,390
baseline
▲ 0.50% · 4.625%
HK$6,779
+HK$389/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$12,780/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,690
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,869
−HK$182/mo
Today · 4.125%
HK$7,051
baseline
▲ 0.50% · 4.625%
HK$7,423
+HK$372/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$14,102/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,016
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,234
−HK$222/mo
Today · 4.125%
HK$7,456
baseline
▲ 0.50% · 4.625%
HK$7,909
+HK$453/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$14,912/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,805
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,014
−HK$212/mo
Today · 4.125%
HK$8,226
baseline
▲ 0.50% · 4.625%
HK$8,660
+HK$434/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$16,452/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,020
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,301
−HK$285/mo
Today · 4.125%
HK$9,586
baseline
▲ 0.50% · 4.625%
HK$10,169
+HK$583/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,172/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$10,035
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,304
−HK$273/mo
Today · 4.125%
HK$10,577
baseline
▲ 0.50% · 4.625%
HK$11,134
+HK$557/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,154/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).