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$5,037
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,194
−HK$159/mo
Today · 4.125%
HK$5,353
baseline
▲ 0.50% · 4.625%
HK$5,679
+HK$326/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,706/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$5,604
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,754
−HK$152/mo
Today · 4.125%
HK$5,906
baseline
▲ 0.50% · 4.625%
HK$6,218
+HK$312/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,812/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$6,045
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,233
−HK$191/mo
Today · 4.125%
HK$6,424
baseline
▲ 0.50% · 4.625%
HK$6,814
+HK$390/mo
Deposit HK$884K · loan HK$1.33M · min. income ≈ HK$12,848/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$6,724
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,905
−HK$183/mo
Today · 4.125%
HK$7,088
baseline
▲ 0.50% · 4.625%
HK$7,461
+HK$373/mo
Deposit HK$884K · loan HK$1.33M · min. income ≈ HK$14,176/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$7,052
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,271
−HK$223/mo
Today · 4.125%
HK$7,494
baseline
▲ 0.50% · 4.625%
HK$7,950
+HK$456/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$14,988/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$7,845
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,056
−HK$213/mo
Today · 4.125%
HK$8,269
baseline
▲ 0.50% · 4.625%
HK$8,705
+HK$436/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$16,538/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$9,067
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,349
−HK$286/mo
Today · 4.125%
HK$9,635
baseline
▲ 0.50% · 4.625%
HK$10,222
+HK$587/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,270/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$10,087
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,357
−HK$275/mo
Today · 4.125%
HK$10,632
baseline
▲ 0.50% · 4.625%
HK$11,192
+HK$560/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,264/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).