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$5,031
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,188
−HK$159/mo
Today · 4.125%
HK$5,347
baseline
▲ 0.50% · 4.625%
HK$5,672
+HK$325/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,694/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$5,597
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,748
−HK$152/mo
Today · 4.125%
HK$5,900
baseline
▲ 0.50% · 4.625%
HK$6,211
+HK$311/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,800/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$6,038
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,225
−HK$191/mo
Today · 4.125%
HK$6,416
baseline
▲ 0.50% · 4.625%
HK$6,807
+HK$391/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$12,832/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,717
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,897
−HK$183/mo
Today · 4.125%
HK$7,080
baseline
▲ 0.50% · 4.625%
HK$7,453
+HK$373/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$14,160/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,044
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,263
−HK$223/mo
Today · 4.125%
HK$7,486
baseline
▲ 0.50% · 4.625%
HK$7,941
+HK$455/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$14,972/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,836
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,047
−HK$213/mo
Today · 4.125%
HK$8,260
baseline
▲ 0.50% · 4.625%
HK$8,695
+HK$435/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$16,520/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,057
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,338
−HK$286/mo
Today · 4.125%
HK$9,624
baseline
▲ 0.50% · 4.625%
HK$10,210
+HK$586/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,248/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$10,075
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,346
−HK$274/mo
Today · 4.125%
HK$10,620
baseline
▲ 0.50% · 4.625%
HK$11,179
+HK$559/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,240/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).