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$5,021
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,178
−HK$158/mo
Today · 4.125%
HK$5,336
baseline
▲ 0.50% · 4.625%
HK$5,661
+HK$325/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,672/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$5,586
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,736
−HK$152/mo
Today · 4.125%
HK$5,888
baseline
▲ 0.50% · 4.625%
HK$6,198
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,776/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$6,026
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,213
−HK$191/mo
Today · 4.125%
HK$6,404
baseline
▲ 0.50% · 4.625%
HK$6,793
+HK$389/mo
Deposit HK$881K · loan HK$1.32M · min. income ≈ HK$12,808/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,704
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,883
−HK$183/mo
Today · 4.125%
HK$7,066
baseline
▲ 0.50% · 4.625%
HK$7,438
+HK$372/mo
Deposit HK$881K · loan HK$1.32M · min. income ≈ HK$14,132/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,030
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,249
−HK$222/mo
Today · 4.125%
HK$7,471
baseline
▲ 0.50% · 4.625%
HK$7,925
+HK$454/mo
Deposit HK$661K · loan HK$1.54M · min. income ≈ HK$14,942/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,821
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,031
−HK$212/mo
Today · 4.125%
HK$8,243
baseline
▲ 0.50% · 4.625%
HK$8,678
+HK$435/mo
Deposit HK$661K · loan HK$1.54M · min. income ≈ HK$16,486/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,039
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,320
−HK$285/mo
Today · 4.125%
HK$9,605
baseline
▲ 0.50% · 4.625%
HK$10,190
+HK$585/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,210/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$10,055
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,325
−HK$274/mo
Today · 4.125%
HK$10,599
baseline
▲ 0.50% · 4.625%
HK$11,157
+HK$558/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,198/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).